>>33407339
>Why would you avoid credit cards when credit under several conditions is required for any loans for large purchases?
Because they don't need to make large purchases and don't know how to use a fucking credit card for their benefit instead of paying interests over and over again?

>there's zero reason why that would be difficult to explain or for them to understand
That was just an example.

But here's another side for the discussion: what if I make them miserable just by giving them advice that might be good for one thing (say, saving money) but terrible in terms of happiness? Check pic related as a great example of this.

>>33407341
>No. My advice is not to offer unsolicited advice
I didn't ask for your advice, though?

J/k. I get you, but these aren't random people. I want the best for them (but read my rant above). How the fuck am I supposed to ignore the temptation of helping them improve their lives?

penny wise but pound foolish