It's not about being broke. It's about: "I need this tool to solve this problem right now. I can either go bug someone for the credit card and get off track or

It's not about being broke. It's about: "I need this tool to solve this problem right now. I can either go bug someone for the credit card and get off track or pull out my own card, get onto putting out the next fire, and settle the cash later." And as I noted, it's not a long term thing.. it's to allow experimentation in the moment.