Comment by spicyusername

    One reason is that someone’s or a company’s income doesn’t always align perfectly with when they want to buy things.

When we're talking about financing the construction of a new downtown office tower, a new apartment complex, or the unexpected maintenance of your business's whole auto fleet, I can absolutely see the argument that credit is a mechanism of greasing the wheels of the economy and allowing things to happen that otherwise would not be able to happen if everyone had to wait until they were table to save all of the cash and pay upfront.

    This logic doesn’t change just because the thing being financed is a burrito.

When we're talking about food, the absolute most basic human need, I start to question whether or not this is actually a good thing and is instead just a temporary band-aid over a much more serious economic problem that would be better off getting solved more permanently with a different economic or political tool.