You’re just missing the term “path dependency”

For the love of fuck we just had the election. Not even settled everywhere. And now we look to the next one.

If it does help, it will make a miniscule difference and not be worth the trouble. Building credit takes years.

If having a credit card changes your spending behavior, then just use your credit card for non-discriminatory stuff, stuff you have to buy, and cut up the card or don’t carry it around.

The best argument that Charlie Kirk isn’t racist is that he’s dead and you can’t be racist if you’re dead.