Dunno. I worked for it, saved, bought car. Saved and bought the house I could afford. Only credit card I ever had was when I was working in countries with civil wars and stuff going on in case I needed a quick flight out. Never used a credit card and haven't had one for 25 years. I do get that credit can be useful and did have to take a small student loan but it is possible much of the credit based dynamic is less relevant in a more stable price environment under hard money. Dunno. Not an economist so I might be full of shot!