While credit can be a protection, usually its a trap, and the system of Credit has learned to capitalize on both sides of the coin.
We all know the scenario of the mouse and the trap baited with cheese. It’s such a simple concept, but extremely effective at catching an unwary victim. Amazingly, this works extremely well on people, and sadly, our intelligence as higher beings does not seem give much advantage against this same scenario. All we need is a rectangular piece of plastic, and some cheese of our own choice (a new TV, some new furniture, etc) and *snap*…you get the picture.
So here it is, a FREE illustration. What a relief — no payments necessary. But there is one thing you can do to compensate, and only if you wish: Give it to everyone. Your fellow businesses, your friends…make it into a bumper sticker…a billboard. I don’t care what you do with it, just make sure everyone sees it. You don’t even have to credit the artist! Click the pictures to see the large scale versions.
While your on the subject, why don’t you see what Wikipedia has to say on the subject: http://en.wikipedia.org/wiki/Predatory_lending