Credit cards are fine

But agreed on 0 balance in banks

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Disagree. 25% interest rates are criminal. People are actually enslaved by that. That shit brought down the Roman empire. There's a reason usury is prohibited in both Christianity and Islam.

I was gonna answer this but you did a way better than i would of hahaha 😆

Agreed 25% is ludicrous, but it's useful if you pay the card off in full every month

Its only useful because of the credit rating system, which is part of the mouse trap that enslaves people. The whole paradigm is predatory

Agreed