I can't speak for all, but I came from a lower/lower-middle income family... when I was in my later teens, I generally didn't hold a lot of money to trust in de

I can't speak for all, but I came from a lower/lower-middle income family... when I was in my later teens, I generally didn't hold a lot of money to trust in debit purchases not overdrawing. Didn't even have a CC until I was nearly 30yo.