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Originally Posted by P1et
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??? I don't know what your point is...the article you cited discusses the same behavior patterns that the articles I cited do. I don't have an issue with stating that many, or half, or some other quantity, of Americans use credit as a way to finance their purchases.
There are multiple behaviors I exhibit that have nothing to do with loving anything. For example, I regularly review budget to actual financial performance reports. There's not one thing about doing so that I love; I don't even like doing it. I used credit to buy a boat and though I would have rather paid cash for it, that I took a loan to do so wasn't a reflection of my inability to afford the boat; I paid off the loan and I still have the boat.
Being able to afford something and having cash to pay for it at the time of the purchase are not the same things. I rarely have any cash in my pocket, so if I didn't have a debit card, I'd have to pay with a credit card. Some things I purchase almost weekly -- hotel rooms and rental cars, for example, can't (depending on the company) be purchased using a debit card. Also, in general, credit card companies disallow the use of their cards to buy marijuana. (That was so in 2014; maybe things have changed since then?)
In contrast, I do love my debit card (
i.e., the concept of debit transactions as compared with the concept of loan/credit transactions) because it means I really don't have to carry cash very often at all.
All the best.