[rarestia]

Don’t carry a credit or debit card except to get cash out of the bank. Driver’s license is mandatory.

I don’t live anywhere near a border.

I don’t have a smartphone.

Preaching to the choir.

[gunsequalfreedom]

I am the same. Debit card gets my cash for the week out of the bank. That's it. The added bonus is that I pay zero interest a month.

Side note to anyone reading this: Add up how much interest you pay in a month. Then calculate what you would do with all that money you pay in interest if you did not have those loans. Get out of debt!