[slightly-off-topic] Inb4: discipline, you're holding it wrong blah blah. I'm not in the country where credit score sounds like a moral, but my middle class fri

[slightly-off-topic] Inb4: discipline, you're holding it wrong blah blah. I'm not in the country where credit score sounds like a moral, but my middle class friends already adopt this mindset .. now I'm not fun at party, it's sick! "use credit like it is debit" .. okay what's the point then.