>>Anyone that uses a credit card and doesn’t pay it off in full every month deserves to lose big.<<
It can be the last resort. But it does start a hole that is really difficult to dig out from (but it can be done).
Payday Loans — THAT is the losing proposition.
I have no sympathy for anyone living on credit!
I’ve had at least 6 months expenses, most of my life at lest a year or more in the bank, starting when I opened my first bank account at 8.
Eacept for a mortgage on our home that has been paid off for 24 years I have never borrowed one cent for personal or business.