It hit me yesterday: common practice for online shopping is to use a credit card. CREDIT card. Using Credit is not only being normalized, but almost forced by not leaving much other choices.

Sure sure, there's debit card and gift card, but overall for the larger whole, every time online shopping is done is by using credit.

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I think the most mindblowing part of all is, when someone takes out a loan, it is not given from an already existing spared money, but freshly created money.