Rest of the world: most of us figured out how to use credit as a tool without tumbling into a spending pit. Takes a bit of discipline, sure but not impossible.

"I use debit because I can manage my finances" reads as "I don't trust myself with credit." If credit is a trap you have to avoid, that's not the flex you think it is.

It's a tool. Some people use it. Some people are scared of it.

I only use CC, to earn airline points (based in Sweden). But I always pay the entire amount due at the end of the interest-free period, so I never pay interest.

I also like the fact that using a CC comes with better buyer protection than debit cards.

How exactly does “we can manage our finances” follow from picking debit over credit?