Baby steps. I dont use cards unless I have to. Pretty rare for me actually. I never said people shouldnt use credit cards. My point is that of youre holding debt as a protest against the legacy system, youre actually doing them a favor.

Also, I dont know what Mallers has to do with anything.

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You're holding debt for your debit services in the form of fiat. At least with a CC you're making someone else hold the fiat month to month. You can pay it off monthly from a Bitcoin balance.