Do people really believe that? Maybe some people care about paying bills on time and will go balls-to-the-wall to make that happen. Not me, I learned to realize

Do people really believe that? Maybe some people care about paying bills on time and will go balls-to-the-wall to make that happen. Not me, I learned to realize 'you get paid when I get paid, so fuck off.' Now, if we entered into a debt together, you know, with a contract. I always pay on time, but if you just show up saying I owe you money with the power to put it on my credit report ... fuck off. I don't think there is actually any science behind what you (or they) are saying, but I could be wrong (I didn't find anything definitive on Google Scholar, but I might be searching for the wrong thing) -- this smells like "it's the status-quo, so why question it."