> For instance, you don't go to the store, take a can of WD-40 home, use it, then go back to the store to pay for the can. That's true, but may have more to do

> For instance, you don't go to the store, take a can of WD-40 home, use it, then go back to the store to pay for the can. That's true, but may have more to do with an unwillingness to track a squillion IOUs for individual cans of WD-40 than a sign of a fundamental difference. Were you a company buying a pallet of the stuff, things would be different. (That said, if I pay by credit card it'll be at least a month before the card issuer thinks about charging me interest, so things aren't so very different as an individual, either...)