When will the political class realise that govt freebies offer no lasting solution? I owe my first job to the paucity of rural credit in India. The Rural Credit Survey Committee Report was the basis for change in ownership of the Imperial Bank of India into its new avatar, State Bank of India in 1955. It was SBI's expansion, aimed at reducing the dependence of agriculturists on money-lenders, which required recruitment, and that is how I got my job. My next perspective on rural credit occurred about a decade later