We have a socially acceptable, predatory, regulated vice: credit cards with 30%. These ruin many lives.

I'm finally almost out and I'm 45. Nobody taught me in school not to use them as they are harmful. Nobody taught me how much money they will actually charge me and how much money I will lose because of them. Whereas if I had just saved my money and bought the thing out right I wouldn't have to pay any extra money.

My school failed me.