If it's a scam, it's a remarkably transparent one because people ought to read the terms and conditions of a credit card contract. People seem to live with the assumption that debt is a path to prosperity. I prefer to live with as few monthly bills as possible.
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True, transparent one but again it's the problem with us too, we are so quick in accepting the terms and conditions now a days
I prefer free/open-source software because I hate corporate terms and dubious long-term support when I don't own my software. Crypto is the FOSS of money.