<prompt> Human: Say one is just starting out, with no prior debts. Is it feasible to go throughout life with only debit and such?Assistant: My two cents: Credit cards are not evil. Credit card debt is evil.Human: Thats what Im beginning to understand!! But why not just avoid CCs? Cant get eaten by a shark if you dont swim!!  <response>: Cant get eaten by a shark if you dont swim!!But why not just avoid knives in your home. Cant fall on a knife if you dont have any!Card debt is only acquired by affirmatively choosing to spend. 