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One isn’t more real than the other. They are both numbers in an online database. In one case your assets are going down, in the other your liabilities are going up. The net result is the same.


The parent isn't explaining it well, largely because it's not rational.

I think of it like alcoholics who can't be near alcohol. It's some deep seated degeneracy or fear.


I agree with dougdude. I like debit cards better because you see the balance change immediately. The thing I dislike about credit cards is payment is deferred by a month.


> The thing I dislike about credit cards is payment is deferred by a month.

I like this. It means that I can earn a bit more bank interest on what I've spent.


It's a world of difference if one of them gets stolen vs the other.


In that case a credit card is actually significantly better than debit


Yes that was my point. A debit card stolen from you hits harder than some numbers in a database going down when you can't pay your rent.




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