I'm a flat out weirdo myself....I pay.....watch out Hoss, Muffin,.....this is a nasty 4 letter word....you know the one......( it starts with a " C ") ....I pay...CASH for everything I buy and therefore have ZERO debt! I drive old cars and live in a small house in a crappy neighborhood but hey....no stress, no worries and it's all PAID FOR! Pretty good for the town drunk, Huh?? LOL!!