Correct, but there are plenty of fools (I work with a bunch of them) that *do* carry a balance, and aren't afraid to charge a burger and fries from McD's. I just can't wrap my head around that one. I mean, if you can't afford two or three bucks to spend on lunch, bring a sandwich to work.
I'm just old-fashioned, I guess. I don't spend money that I don't have.