That's the point, you're not talking about money, but about debt and risk (people always forget about risk and insurance). What there is to know about credit cards, really? I pay something today with it, then I pay it back at a later date, it's debt.
This will to complicate things more than they need to comes from banks pretending that they are "cool again" and have all sorts of different products, when in reality banking is the most boring thing ever invented: here's some money now, you'll give it back to me at a later date with an interest.
Moreover, by your remark "communist utopia" you're perfectly showing that I'm right in calling for more literacy about history, philosophy and politics. This isn't communism in any possible form, au contraire we're still moving well within the boundaries of capitalism.
communism isn't about abolishing money, or debt
This will to complicate things more than they need to comes from banks pretending that they are "cool again" and have all sorts of different products, when in reality banking is the most boring thing ever invented: here's some money now, you'll give it back to me at a later date with an interest.
Moreover, by your remark "communist utopia" you're perfectly showing that I'm right in calling for more literacy about history, philosophy and politics. This isn't communism in any possible form, au contraire we're still moving well within the boundaries of capitalism.
communism isn't about abolishing money, or debt