Reply #91: people who want to improve themselves do borrow money [View All]

people who buy such important things as homes for their families and educations for themselves and their children do borrow money

subsistence living is a miserable existence once recognized to be "ugly, brutish, and short" and romanticized today only because so many of us are distanced from the reality of it

a society without a credit is a society that does not believe in the future and hence is anxious to grab what can be grabbed for today

is our credit system perfect or without predators? no it isn't, and you can thank reagan for much of the predatory practices legalized in the 80s, nonetheless, people who never use credit are people who have made the decision that they don't trust the future or their ability to earn in the future, a sad comment on their faith in their country and in themselves