You don't realize how much you use your credit card not even to buy things. It's a card you get so you can navigate society.
When you have kids you instantly feel that you do not want to do them wrong....
The whole system of society tells you what to do.
Well first of all it's a business and it's a tough business and you have to have the strength to survive all the set backs all the failures that make this a mean business that's getting meaner and meaner every year in my opinion.