Therefore, there is no reason for me to ever build up credit and no reason for me to ever own a credit card, and I'll never have to fear getting in to debt. I had to open up a bank account a few months ago for the sole purpose of getting money from someone. I withdrew all the money ASAP and haven't touched the account since.

I'm sure I'll have a job again in the future that only sends out paychecks as direct deposit, and even then I'll only do so very reluctantly and hesitantly. I experience pure discomfort and malaise 24/7 when I'm in even the smallest amount of debt, I don't know how it can be some people's life choice to be in debt.

God damn banks. God damn bitches and hoes! Get off my dick with that overdraft shit, don't be frontin son