2/ also, in general, governments should not be allowed to take on debt, given that politicians spend the money, but then citizens are taxed to pay it back it's like handing someone $20 and him saying "oh, my slaves will work that off; what time should they come by?" horrifying
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My (older) kids have cards. Our account, in their name. Now that they're driving it gives them a way to deal financially in an emergency AND establishes credit history. (and I have a pretty low limit attached, enough to get em outta trouble but no more)
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