The article says "one" reason of why credit exists is to bridge the timing of money. But assumes fully later that that's the only reason, with no regards to how

The article says "one" reason of why credit exists is to bridge the timing of money. But assumes fully later that that's the only reason, with no regards to how extractive credit can become, fueling bad habit. You can of course blame the individual for this, but ultimately it becomes societal.