nostr:npub1n9gv6wky0vmacyn5y9kew49dtkcarlsmvtcg9p4lg4m22am5fzgsrguhh9 
>if you use credit cards responsibly it’s very sustainable. if you treat them as debit cards and don’t buy things beyond your bank account, then the cash back is free money that they just give you for paying your balance. 

Exactly! You're taking out a fuck tonne of loans that you don't need every month only to pay them off in full at the end of the month. It's such a fucking stupid concept.