Why spend your own money when someone is willing to loan you money for free, will give you some of your money back, and will also protect you against consumer issues?
You’re leaving money and protection on the table by not using them.
You’re leaving money and protection on the table by not using them.
A bank is a lot smarter than me. It wouldn't want me to use credit cards if it were in my advantage.
The bank wants you to use credit because they get paid by the merchant every time you do.
But if you're doing this every month then the advantage is what? ~$3k invested somewhere? It's not worth the extra effort for me.
That's why I would rather spend my own money when someone is willing to lend it to me for free.
You need to eat.
You're shipping a ton of personal baggage under "personal autonomy".
Why even take part in economic transactions at that point. If your definition of autonomy is that extreme, the concept that someone might have something you want but don't have must be a alien concept