Same.

I have never owned a credit card and I have never used a any of those payday loans apps.

I know so many people who are literally just digging themselves deeper and deeper into debt each month and I can not understand it.

When my dog was bitten by a brown snake the vet tried to make me install zip pay app.

I just didn't do it, I went back each fortnight and paid them $200 at a time and got a receipt each time to keep track of it.

The bill was $3000.

The dog already had his treatment so it's not like they were going to refuse the money.