The advantages of closing the deficiency, or deficiency that covers the excess?

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Excess capital one can become the main person to be successful in life While the shortage of capital can be a major one to be able to go forward and try to make it better Excess sometimes make a person become more lazy Disadvantages can make someone become more diligent While we know that the shortage was covered by excess But on the other hand can be seen that the excess only make shortages have increasingly become the minority side of the identity alone "Whether the advantages of closing the deficiency, or deficiency that covers the excess?"