[twitch-chat]

It's unfair to say we still use credit because we are complacent. If you stop caring about building a credit score, you will end up paying more money in things like mortgages or car loans. There is a financial incentive to use credit cards (if you don't miss payments) despite the breach of trust.

[kory]

I didn't say it's just complacency that keeps the credit system going. Low friction purchasing (complacency) absolutely plays a strong role. Trust is important, too (but is less strong than complacency) because the system wouldn't be used at all without it, and, to your point, fear absolutely plays a role as well.