It’s a great tool that makes life financially manageable. I have friends and relatives that are barely getting by. It’s really sad because one catastrophic life event can ruin them. I don’t think people realize how vulnerable they are to losing everything.

They don't even have 500 bucks in case of an emergency lol literally will bankrupt them. We are getting to a point where its almost impossible to survive on a fiat standard; you either have to cut back tremendously or start racking up debt to keep the same lifestyle