All of these are ways to become a low risk borrower except

well it depends i think people around the world are coming around to gay marriage. but if you are talking abortion then wow, so much to talk about. such as men thinking they have the right to choose if women can, the fact there are health concerns if the women can't get one, and many more arguments to discuss. so i would definitely say abortion would be a much more interesting topic.

answer; individualist culture;