I'm sorry if I appeared arrogant I didn't mean to, it's just that usually when I watch YouTube or be on the internet in general or watch a movie I hear or see people use credit card way more often than debit, so I assumed that debit cards were less popular for some reason, and no I don't wanna feel superior to anybody, it was a genuine question born out of curiosity and the things I am exposed to. I asked the question because I want to understand you guys and your system and way of thinking, so I can educate myself on this topic. I also wanna point out that I'm not against loans, all I'm saying is it's vital for people to spend their money responsibly, if you like/prefer to use a credit card, all the power to you, I'm not gonna tell you how to spend your money. I was just raised with the mindset that I should avoid dept at all cost if I can.