Thanks for the reply. It seems that credit cards are designed to tap into the human desire to live in the moment. I guess if you had to actually go to a loan shark and pick up a suitcase with $15k in it, and know that a goon was going to turn up weekly looking for the interest, you'd be a bit more circumspect about whose money it really is.

I remember the feeling of being young and constantly stuck for cash to do anything. It's frustrating so I can understand how cards provide a temporary reprieve. Just don't get them is the only solution.