Well, it's not _things_, plural, that consumer credit is required to obtain. Just one thing singular, since really the only thing you _need_ consumer credit for

Well, it's not _things_, plural, that consumer credit is required to obtain. Just one thing singular, since really the only thing you _need_ consumer credit for is home ownership. (Pretty much anything else, you can save up for and/or get a cheaper yet comparable used/etc option simply by being shrewd. It just doesn't make a lot of financial sense to use credit for a car, furniture, etc, when you can get them affordably by just not being dumb enough to want brand new crap) But that one thing, home ownership, is totally a biggie. I rent, and it sucks to have to worry every June about whether this is going to be the year we have to move because the landlord doesn't feel like renewing our lease this time