@youdontkillmoney wrote:1. No obsession with holes. It's just a metaphor. I am obsessed with paying my bills (including credit cards) on time and never missing a payment which I've succeeded for the past 23 years.
That's OK. I don't see a need to be obsessive about paying your bills on time, though. That should come as naturally as breathing.
Well... For most responsible adults, anyway.
@youdontkillmoney wrote:2. I never referred to interest as "evil"; I don't think it is, it has its proper place. IInterest at a basic level, by the way, is revenue to the lender and the price of money to the borrower, expressed as a percent.
That was my point. Interest is simply payment for using someone else's cash and absolutely has its place. I've just always been confused by the visceral loathing that people have for it. Likewise with debt in general: too much of it is obviously bad, but it too has its place. And the whole damn global economy of which we are all a part of runs on it.
@youdontkillmoney wrote:If you think my signature was "huge" before, I added a few more lines:
Stahp iiiiit...
With utmost respect OP, there's such thing called credibility. When I create a post, it's for one of three reasons. One is to share information that may help others. The second, to ask a question or questions to rely on the wealth of information and professionalism here to help me. Lastly, it's to congratulate someone on a job well done be it an approval for a card they've always wanted or for simply bettering their financial situation to set them up for success in the future. To be perfectly blunt, I see none of that here. In fact, I think the way your post was worded and the terminology therein may have reduced if not altogether devoured your credibility out of the gate. No offense, OP, but my guess is you may have had an old username that got called out in the recent past and based on your 'registration' date, you're at it again. I could be wrong and, if so, I apologize in advance. But if that is the case, nice try.
Friendly - I tried to be as friendly as possible but wanted to be blunt
Supportive - there's nothing here to support
Respectful - I was as respectful as I could possibly be to get my point across 
Good day.
There's like a 7 in 4 chance that this guy is a troll, granted, but at least he's got people talking.
Wow. I don't think I've ever seen so many people pounce on a simple, clear and valid post before. The OP is right: most American's are swimming in debt and simply do not know how to handle fiscal responsibility. The lenders bank on this limited educated consumer to make money. If every card holder PIF the creditor would only make money by charging the merchant, and the merchant would in turn raise their prices to cover the costs (already widely in practice).
How people so the OP's post as a rant or his beautiful and applicable metaphors about holes creepy is beyond me. No, its not. I understand. People feel accosted because they are so gung-ho about credit and feel the post is an dirrect affront on them.
Cash is, even in this age, more revered than credit. Sure, the givernment and big business has tried to make it near impossible to do things without credit (much like an SSN), but I have yet to meet a person who would rather you pay with credit than cash.
