I’ve never heard that saying before, I like it!

Yeah it’s certainly a slippery slope that has some serious consequences if you don’t use discipline and stay within your budget

For me, it's a cashflow thing. If I use credit that's one month I do not have to spend my own money on something - it also allows for larger purchases in one place, whereas I might have to move a bunch of money around and wait days if I paid cash.

Credit card companies make their money on merchant fees, the people who get trapped in cycles of debt are just the gravy on top for the fuckers.