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>you need credit so you can waste every single penny you make paying interest on things that shouldn't be so expensive or useless garbage you don't need
>no, you WILL NOT buy a good used car for a few thousand dollars, you WILL buy a brand new one for 30 thousand dollars
>no, you WILL NOT live with your parents until you can afford a house in cash, you WILL rent an apartment so expensive you can't save anything and be forced to get a mortgage that will take 30 years to repay
>you WILL NOT start a business with your own money, you WILL get a loan from a BlackRock bank. Remember to take your daily dose of 12 gallons of tranny cum so your esg score stays high enough to keep borrowing
>you WILL NOT avoid useless products and services like funko pops and doordash, you WILL get a credit card and be a good paypig consooooomer
>you WILL own nothing
>you WILL be happy