[ec109685]

> With digital wallets, there's zero need for credit cards and their predatory interest rates.

How is there zero need? If don't need to borrow money longer than 30 days, you pay zero interest. If you do need a bit longer to pay, you have that option.

[icebraining]

Since banks aren't charities, the fact that those 30 day loans are "free" just means you're paying for them even if you don't use them.

[ec109685]

By using a digital wallet, you personally don't save any money over a credit card.