Everytime I use a credit card or bank account im gambling on whether or not its going to let me spend as money

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True. Once you put “your” money in their bank, it becomes “their” money unless they feel inclined to let you have some of it back.

And CC’s are a gamble if they decide to lower your credit line or just not let a payment process.

They want their 2% or whatever so they’re appropriately motivated.