ruining their credit

Credit/creed/credo - "belief" implies holding onto a shape while ignoring being (life) run (inception towards death) within motion.

Few suggest a credit of artificial currency to bank trust among many, who in return ignore natural current.

Current ruins credit; currency distracts from current by banking trust aka by tempting each trustee onto a riverbank aka aside of current aka running dry on both sides like a fish out of water.