> Who decides what is a “credit” and what is a “debt?” What recourse or due-process do people have to challenge this evidence-free, glorified thought-policing?

> Who decides what is a “credit” and what is a “debt?” What recourse or due-process do people have to challenge this evidence-free, glorified thought-policing? While I agree that the whole "credit system" is nonsense, but for this particular question, I'd blame bad journalism.