In a country like Kenya, where most civil servants, politicians, wanainchi, and average taxpayers are thieves, it is difficult to build the country and wealth without external help. In fact, many countries have developed by taking on significant debt. Kenya and Africa are among the countries with a low GDP-to-debt ratio. I think cutting corruption and taking Kenya to Singapore's or the USA's level of GDP-to-debt ratio would be ideal, but African banks and Capital may need to start their own banking system so they don't rely on predatory global banks that charge high interest and issue crippling credit scores discriminately to weaken them. Massive but well-managed debt is the only way to fully industrialize; that is why the west and most rich countries are where they are. The USA is currently sitting at 40+ trillion and mostly Chinese debt. USA is developing yet more corrupt than Kenya, so there is no reason Kenya not to make strides