Originally Posted by CyberSEO

You didn't get it. As a "3rd-world" citizen I don't need any credits. I can pay from my pocket in cash (with all those low GDP's, HDI's and other shit). In other words, you may have a home, a car etc, but you have to spend almost all your earnings to pay for your loans, obamacare, education of your kids, high taxes (you know most of them will be spent on unnecessary huge army) etc. I also have a home, a car, my son is an university student etc, but I don't pay for that (no credits -> no payments). I don't owe anything to anyone. I pay my 6% tax and that's all. So all my earnings belong to me. I can spend them to buy things, to travel, for entertainment etc and drop the rest to my bank accounts. It's a difference in our mentality. The people here don't want to owe anything to anybody. This is what we call a financial freedom. You can't be free if your house or car actually belong to bank. Do you remember the episode in the Simpsons where Ned Flanders lost his home because he was not able to pay for the loan? I don't want to live like that. Mine is mine.