“I know almost everyone on this board has no debt and pays for everything with cash (what they love more than anything else), always pays off the balance on their credit cards monthly, have 825+ credit scores (they have been brainwashed to be in bondage to the credit reporting system), have perfect jobs and their gas actually reduces air pollution etc…”

LoL! I take exception, paramount. Why? I don’t have a perfect credit score (I suspect), although I’ve never looked.