[vineyardmike]

> always bought everything with money I knew I had

You can do this with a credit card, fwiw, but i'm sure i'm not the first to tell you this.

I don't think we should glorify debt avoidance, and avoidance of financial tools (like CCards) as the only, or best, way to be financial responsible. It works for some people, but that doesn't mean its for everyone or should be a goal.