In the UK, having a credit card is an overwhelmingly good move even if you never use the facility for credit. You can set up a direct debit to pay it off in full every month, making it effectively a debit card, but you get what are known as Section 75 protections on all purchases. So if you’re buying online and the firm goes bust (or you for any other reason don’t receive your goods), the credit card firm has to compensate you in full. For this reason I always make larger online purchases on credit card.
Right wingers have a whole different set of moral values that strike me (as someone more on the left) as _immoral_ values. Look up moral foundations theory by Jonathan Haidt and others. I’ve found this in one sense useful (so _that’s_ why Republicans react to ${ISSUE} the way that do!) and in another depressing (how do you _deal_ with people who think that doing what they’re told to do by an authority figure is intrinsically a moral virtue?).
Yeah. Vauxhall/Opel has always been my go-to example here. Their cars excel at nothing. They’re not especially stylish. Not the fastest or nicest to drive. Not unusually efficient. Not particularly reliable or guaranteed for a long period. By no means the cheapest. They don’t even achieve a sweet spot of averageness across all these things. Yet people have somehow carried on buying them over decades.
Jeremey Clarkson called the Astra "the most boring car ever made". I loved both of mine - they always got me and my stuff where I needed to be, and were easy to fix.
The last one, a 2007 model that has now moved on to my younger sibling, might be the last "simple" car.
