Did you have a job? Did you have investments?
And you’re ok with using the banks money as long as it doesn’t cost you anything. That seems immoral to me.
Owned and ran a business for over 40 years and never operated it on borrowed money.
My only investments have been collecting interest on savings, I don’t own stock and wouldn’t if it was a gift.
I’m not using the banks money since I always keep at least 3 months worth of bills in my checking account so they are actually using my money multiplied many times to loan to others.
Immoral? What's immoral about it? They offer it and I accept it. It's a business agreement. I don't pay a cent in interest and yet the c.c. company makes money on every c.c. purchase I make because they have business agreements with merchants I make the purchases from.
Free enterprise at its finest.