[nbf]

>Most of the population has no credit history and those who do use credit sparingly and find it hard to get

I don't agree with you here. The entire furniture retail industry is based on selling goods on credit to poor people. The National Credit Act tightened lending up, and reduced some of the more blatant exploitation, but it is very easy to get credit, if you want it.

>Paying taxes in the USA is 61 vs South Africa's 23? No way. Paying your taxes in South Africa is a serious pain in the behind - I continue to do it. We file our USA C corp and personal corp taxes ourselves each year and it's a breeze in the States.

I am surprised that you consider tax in South Africa to be more complex than the US. Could you elaborate?