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@nguyenhaongnam Do you not remember school? That's all that was drilled into us as kids. Societal pressure forces you into these things. To get anywhere or do anything, we were taught that we NEED a good credit score to any semblance of a life. Thankfully, things are slowly starting to change...

@nameholder Our entire society is set up to make you borrow money in order to get, well, pretty much anything major in life. School, homes, vehicles. So that's not entirely fair assessment