[goobynight]

Making a high risk play and maybe going bankrupt at 18 might even be a dominant strategy.

I never used credit from 18-25 aside from churning some credit cards.

[55555]

It sounds to me like this is the dominant strategy for many people who dont use the traditional credit system much and are young and have no assets. You get a 1 in 20 chance of a million dollars and in 19 of 20 cases you go bankrupt. Seems like a extremely +EV deal.