'Avoid debt' is an apt title. The points the author makes agree very much with yours, including the clear warning the infomercial gives against compulsive, supe

'Avoid debt' is an apt title. The points the author makes agree very much with yours, including the clear warning the infomercial gives against compulsive, superfluous spending: "I do not speak of merchants buying and selling on credit, or of those who buy on credit in order to turn the purchase to a profit. The old Quaker said to his farmer son, "John, never get trusted; but if thee gets trusted for anything, let it be for `manure,' because that will help thee pay it back again.""