Thankyou for wording things better than I do! Greatly appreciated. And yeah, I do understand that creaky joints aside, I am quite priviledged in my situation but I did also achieve it by hard work and not living beyond my means
It's really not easy to get away from the system of credit, since the fiat world is designed to almost coerce you into it, and that is THEIR means of income after all. It's amazing how far they have taken it, their greed disgusts me.