http://www.commondreams.org/views/2014/12/07/ten-reasons-why-i-dont-have-credit-card
and what about the threat of identity theft? I'M STARIN' 53 IN THE FACE, AND I NEVER HAD ONE OF THESE INFERNAL THINGS! I swear! The only difference between crotch droppings and credit cards is that you can legally cut your credit card in half!