Hypothesis four is accepted; this hypothesis tests the
relation between perceived risk and indebtedness, showing
that the higher the perceived risk is, the lower the level
of indebtedness becomes (Caetano et al., 2011). Because
risk scales are measured in an inverse manner, a greater
perception of risk results in less dangerous risk behavior.
In our results, there is a direct relation between risk behavior
and indebtedness. People who risk more (higher risk
behavior) are more likely to experience indebtedness, confirming
hypothesis five.