> if I'm ok with paying X in cash to buy something, and the other persons offers me paying it in interest-free rates, it would be stupid for me not to.
Disagree. This severely complicates my economy.
Instead just having X funds less available, I still have the same funds at disposal, but have to remember I owe X to Y which must be paid by Z.
Even just once this makes the simple question “How much disposable funds do I have?” hard to answer.
More than once and I will need a system to manage my own personal economy. That’s horrible!
When asked for credit I always answer no, because the small savings of delayed payment does in no way make up for the extreme complexity it adds to day-to-day economics.
Disagree. This severely complicates my economy.
Instead just having X funds less available, I still have the same funds at disposal, but have to remember I owe X to Y which must be paid by Z.
Even just once this makes the simple question “How much disposable funds do I have?” hard to answer.
More than once and I will need a system to manage my own personal economy. That’s horrible!
When asked for credit I always answer no, because the small savings of delayed payment does in no way make up for the extreme complexity it adds to day-to-day economics.