Recently had some financial difficulty and had a Bitcoiner of all people inform me about how I needed to use a credit card, it's not like I don't understand how to leverage credit....I just don't like to owe anything, and would like to be as close to the debt free line as much as possible even if it means going without for a while. 

Then I realized that living on a BTC standard is 99%  bullshit....MFers be swiping that swipe.