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You err comparing apples to oranges.
The old barter way based on substance is a far cry from today's credit bureau system. So, you're probably way off base with that analogy.
I somewhat agree that one should not be duped into using easy credit and should buy only what one needs or can afford, however, in the present system were the general public aware of public policy of HR 192 no one would ever be late because they would tender payment via the exact same species of money they were lent; their own credit. And, that is the system the bureaus work in attempting to intimidate people into continuing the double or more enrichment the alleged credit providers take for granted.
Show me where anything of substance ever changes hands in this debt system.
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