@Boomerman @tyler @Tactical @Groomschild Credit cards are a tool like a hammer, if you're not intentionally hitting yourself with the hammer it's plenty useful and safe. Lending is a necessary evil to have large capital purchases without outside financial backing such as family, otherwise you have to just save the funds upfront which is always still an option for you. We'd just end up with more renters and concentration of landlords into a smaller population segment.