[TeMPOraL]

Part of the problem is that they handle much differently than purchases. To buy something you need to have enough money at some point in time. Subscriptions require you to have a stable cashflow. The former is usually easier than the latter.

On top of that, subscriptions are also relationships you have to keep track of. With a lot of subscriptions, it can become overwhelming.

[aidenn0]

Most subscriptions are on credit cards, and having available credit implies a stable cashflow (even if you are operating at a loss).

[ajdlinux]

Visa/Mastercard debit cards are a thing.

[TeMPOraL]

In fact, I'd argue that credit cards are US thing. You can pay for most stuff on-line with debit cards just fine. Over the past decade, I had to use PayPal maybe 3 times, because some braindead payment system wouldn't accept debit cards.

(It may differ between classes and countries, but over here in Poland around people I know, having a private credit card is like shaving with a straight razor - it's awesome if you can handle it without hurting yourself, but most people can't and are smart enough to not even try.)

[ajdlinux]

You can pay for almost anything online with a debit card if you get a Visa/Mastercard debit card, which is included with practically every bank account over here in Australia. Obviously Visa/MC charge merchants more to accept their debit cards than the national domestic EFT payment networks, but it works well from the consumer experience point of view.

Over here it's quite normal for middle-class people to have personal credit cards, but it's not as important for building up a good credit rating or anything like that as it is in the US.

[leetcrew]

> having a private credit card is like shaving with a straight razor - it's awesome if you can handle it without hurting yourself, but most people can't and are smart enough to not even try.

as someone who treats a credit card like a charge card (pay it off in full every month, without exception), I don't really understand this mentality. imo, managing a debit card is way harder. I have to ensure that I have enough money in my checking account every time I make a purchase. it feels like inevitably my payday will line up in such a way that I overdraft on a purchase I could have easily afforded by the end of the month.

[TeMPOraL]

To use debit card, all you have to do is to know how roughly how much money you have. You have to know this even if you have a credit card, otherwise you risk not being afford to pay it off.

The danger with having a credit card is that you have an option to not pay it off. With debit cards, it's impossible. You can overdraft a little if you're tricky, but that's about it - whereas with a credit card you can end up going negative and finding it difficult to get back to black (whether because of your own faults or external circumstances).

I compared a credit card to straight razor because both are useful and safe in skilled hands, but create danger of hurting yourself if you're unskilled - a danger that doesn't exist with safety razors / debit cards.

[notfromhere]

In the US, the fraud protections on credit is way better than debit