If there is no credit, is there any loans? If there are no loans, there's no income from "cash reserves" - how can you pay anything if you're unable to make mo

If there is no credit, is there any loans? If there are no loans, there's no income from "cash reserves" - how can you pay anything if you're unable to make money from the deposits people have given you? I think you'll have a different argument and a different result if you wish credit CARDS to go away, rather than credit. If you had to go into somebody's office and sign forms, etc, then you'd think twice about charging the next latte... As I recall, credit cards came from the revolving credit various stores started at some point in the past. They've grown a bit in use and scope since then :-).