> Credit cards are probably the most consumer friendly innovation ever Depends on the consumer. Vendors often have to raise their prices to keep their own mar

> Credit cards are probably the most consumer friendly innovation ever Depends on the consumer. Vendors often have to raise their prices to keep their own margins, which is passed onto the consumer. If you're too poor or otherwise 'unwanted' to be given a credit card then you are paying higher prices without any benefit. * https://www.cnbc.com/2023/05/27/lower-income-americans-pay-for-wealthys-credit-card-rewards-some-economists-say.html https://www.cnbc.com/2023/05/27/lower-income-americans-pay-f... * https://www.vox.com/the-goods/22454885/who-pays-for-credit-card-rewards https://www.vox.com/the-goods/22454885/who-pays-for-credit-c... * http://archive.is/https://www.nytimes.com/2023/03/04/opinion/credit-card-rewards-points-poor-interchange-fees.html http://archive.is/https://www.nytimes.com/2023/03/04/opinion...