Sorry Phil but I can't believe I am reading this statement. Of course there is incentive to pay... it's not yours until it's paid for!
Johnny mentioned this to me briefly a couple of months ago, not out of spite but out of sheer frustration and disappointment. It wasn't the amount of money that was owed, more the complete and utter lack of contact from the said person(s).
As Carms has already said, times are hard and people's situations do change.
If you are having trouble paying - be honest and say so. There is no shame in falling on hard times. It has happened to us all.
If you find you can no longer afford a record you have taken, then give the record back so it can be sold to someone who can afford it!
Some of you might say he's been a bit of a mug but I would have done the same in his shoes, simply because I have faith in people to do the right thing.
Johnny is a reasonable man and I know something could have been worked out long before it got to this. All it would have taken was a phone call.