Credit and loans are a crutch for the simple reason that they create dependance on someone other than our own selves for our personal wellbeing. To have a credit card or loan, makes us enslaved to someone else. We we always have a lingering fear that if we do not make ends meet that we have a huge debt lingering over our shoulder that will haunt us for the rest of our lives.

If you want to get rich, you wont get rich on credit or bank loans. Ever heard of rags to riches? People who make money start from the ground up, with 100 dollars in their pockets. Those success stories are true for a reason. Eliminate debt, eliminate dependency and find freedom through self reliance. It's the only way to go. We have been living in an illusion people, but it seems humanity is snapping out of it, now that the former system is collapsing in on itself. Inevitably a new system will arise and the two shall battle for control. It should be an interesting next 4 years.