So you get automatically offered credit card in the USA?

I got a debit card where I cannot go into red number and i would have to have special kind of account to be able to do that...

it's actually bit sketch to borrow here money "'cause I want". Yes, there are loan sharks, but those are evil... and well in many cases illegal.

I guess that's why never understood on how it's possible to spend so much while manic. My bank would send me big **** you once i reached a zero.

it seems the systems is exploiting people with bad urges, eh.