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!

Err shot. Nobody shot me in the civil war 🙄

We only 'need' credit because everything we want to buy is inflated way beyond what it is actually worth. In 1950 the average annual family income was $3,300, and the average cost of a house was $7,400. The only thing that has changed in that time is the money got inflated and became worthless. If anything, through technological progress things should get cheaper over time because they become easier to produce at scale. You can still do this today, but it takes time and disciplined. It's meant to be difficult so we rely on their systems of extracting more from us through loans.

Thankyou for wording things better than I do! Greatly appreciated. And yeah, I do understand that creaky joints aside, I am quite priviledged in my situation but I did also achieve it by hard work and not living beyond my means