I stand by my comments as you’ve yet to provide arguments to the contrary.

Yes being played fits. There are people that jump into credit cards and get over their head by spending outside their means. Something that banks enable and it’s the reason it is incentivised.

I see you’re getting somewhat frustrated. Sorry neither of us could persuade the other. I’ll leave it there as I think cultural differences are causing loss of understanding. I hope US banking gets some needed adjustment.

Have a good day/evening.