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The parent isn't explaining it well, largely because it's not rational.

I think of it like alcoholics who can't be near alcohol. It's some deep seated degeneracy or fear.

I agree with dougdude. I like debit cards better because you see the balance change immediately. The thing I dislike about credit cards is payment is deferred by a month.

> The thing I dislike about credit cards is payment is deferred by a month.

I like this. It means that I can earn a bit more bank interest on what I've spent.

It's a world of difference if one of them gets stolen vs the other.

In that case a credit card is actually significantly better than debit

Yes that was my point. A debit card stolen from you hits harder than some numbers in a database going down when you can't pay your rent.