Don't laugh about the night sticks, I work with a guy who is a liberal Koolade drinker, he went to Holland on vacation and thinks that it is really neat that thepolice in Holand do not have guns.
As far as credit cards go, I am in the process of paying mine off and will use them thereafter only in an extreme emergency, God willing, but what it took to get me to this point is that I found out the origin of anyone paying interest for anything. My point being lots of debt especially consumer debt is not God's way.