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10 months agoYou’re majorly handicapping yourself in the US if you don’t use credit at all- you’ll get your credit score checked for apartments, home loans, utilities, even some job application background checks-- and the only way to build your credit score is to participate in the system. That’s not even mentioning the fact that the financial system makes it extremely worth your while via points/cashback/bonuses/etc as well as the extra security you have from being able to put stuff on your credit card in a major emergency. It sucks and it shouldn’t be this way but it is.
I think there’s a difficult intersection of
a. This stuff is cool and trendy right now so a lot of that content is aspirational
b. TikTok is addictive and extremely hard to kick + lots of people now see it as their primary source for style and lifestyle inspiration leading back into a.