> nobody has to borrow money. If you don’t borrow, credit scores are irrelevant. Except if they want their own place to live. And for the period of about a de

> nobody has to borrow money. If you don’t borrow, credit scores are irrelevant. Except if they want their own place to live. And for the period of about a decade or two, if they want to buy anything over the Internet. For some reason, e-commerce in its early years would only accept credit cards. Took quite a while before debit cards started working for on-line shopping, and by that time, the damage was already done - credit cards got a boost in popularity both in the US and worldwide.