I knew a guy in the early 60’s who didn’t believe in credit. Then, he got married, and wife got pregnant...
He needed to get a bigger car with room for baby seat, and found out that he couldn’t buy a $3400 car with payments BECAUSE he had NO credit history!!!
Sure woke him up.
Yeah, your guy sure needs to borrow. Otherwise, he might learn to save and plan. GOD FORBID!
Banks should ban saving. It’s downright unAmerican to save!