Actually I think it is a continuously declining by generation. For example my grandfather absolutely hated credit cards with a passion. He was convinced the cr

Actually I think it is a continuously declining by generation. For example my grandfather absolutely hated credit cards with a passion. He was convinced the credit card companies were an invasion of privacy as well as the antitrust acts (there are still only three credit bureaus). My parents and I despite his recommendations still use credit cards (he in fact later had to get a credit card later in life as it is fairly impossible shockingly to purchase/own a car with just check or cash). Now I'm the old fart complaining to my younger peers about Facebook.