“Your understanding of how credit is used by business is limited.. ”

Not true. I totally get, and even applaud, the manner in which you use credit. Please don’t read too much into my criticism of Terminex running at redline. It sounded like they do this every month as a matter of practice, not an emergency option to seize a rare business opportunity. They are a big company, and have no need to be running their cashflow that tightly. It seems to me to be a case of the common misconception that “risk implies reward, and risk does not entail any actual risk.” If Terminex is running risks like this, they should, in fact, be at risk, not me the tax payer who does not participate in the profits when the gamble doesn’t backfire.

It sounds to me that you are one of few people in America using credit correctly, as capital investment to grow your business. I never said that credit should go away entirely. It should be backed by savings, and used responsibly.