system
A chat on subreddit /r/PoliticalCompassMemes
human
Credit is ok, so long as you have the cash ready. It's a good way to build credit. That's what I do. Best part is, any fraudulent charges to credit card, Visa sends their crack team of lawyers to ruin their life and I get refunded. But you gotta use it smart.
gpt
I have several credit cards and only spend what I know I can pay off at the end of the month so I don’t get hit with any interest. If I see something for sale and they offer 6-12 months of zero interest payments I also take that. 

Why on earth would I pay upfront for something when I can delay the payment at no cost to me? The problem is people putting stuff on credit and paying massive interest on it.