[urda]

Rest of the world: most of us figured out how to use credit as a tool without tumbling into a spending pit. Takes a bit of discipline, sure but not impossible.

"I use debit because I can manage my finances" reads as "I don't trust myself with credit." If credit is a trap you have to avoid, that's not the flex you think it is.

It's a tool. Some people use it. Some people are scared of it.