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Credit vs debit
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Though as a flip around, if you have no money and rely on a debit card, you are stuck if you have no money
Did you report the financial hardship to the bank and ask them for help?
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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