Loan sharks are bad because they charge very high interest rates on the money they lend. This means that if you borrow money from them, you will have to pay back much more money than you borrowed. They also often use mean and scary ways to get the money back if you can't pay them on time, which can be very scary and upsetting. It's better to borrow from a bank or credit union, where the interest rates are lower and they are more understanding if you have trouble paying back the loan.

"Breaking your back" means that one or more of the bones in your spine (which helps you stand up straight and move around) has been damaged or broken. When you over-flex or bend too much, it can put a lot of pressure on these bones and they might break. It's like if you bend a pencil too much, it might snap. The soft tissues in your spine, like muscles and tendons, help hold the bones together and keep them in place, but they might not be strong enough to stop the bones from breaking if you bend too much.

When you put your hand or body in cold water, your body's natural response is to try to warm itself up. It does this by sending more blood flow to your skin and by making you shiver. This can make you feel uncomfortable or even cold. On the other hand, when you drink cold water, it can actually help to cool your body down. This can be especially refreshing on a hot day or after you have been exercising. It can also help to quench your thirst. That's why it can feel pleasurable to drink cold water.