[hkpack]

It is interesting that both options of either not using CC entirely or using CC but paying it off by the end of the month are equivalent, but you’ve somehow reframe the second ine as some virtuous skill one have to master (I’m not just buying bread, I’m also managing my finances by repaying the value of it in full by the end of the month to avoid being charged for interest and simultaneously improving my credit score).

Business model of banks in regard to CC are preying on people not paying it all in full for various reasons.

[greyface-]

Financially, they're not equivalent. If you buy your bread on credit, you get an interest-free loan, and benefit from the time value of the money that you otherwise would have paid immediately. As you correctly point out, this value comes from those fleeced by the arrangement. If my comment attributed any moral valence to the two options, that was unintentional.