Wow, this is mind blowing. 10% interest rates are really, really high in the current state of economy - they don't become a great deal just because there are credit cards with even worse conditions. I don't have a problem with borrowing money when I need it. I'm indebted for the years to come because I needed a 200k loan to buy a house. But that's okay because I'm paying 1.2% APR on it. This is far less money than I would have to pay to rent a house so it's a great deal. I've not even used all the cash I have when buying it because some of it yields higher (guaranteed) interests then what I pay for the loan. So there's still a lot of wiggle room for emergencies. And this is the first time that I hear that you need to have a history of loans to get large loans. What a devious system... I have a VISA credit card too, because it's convenient to pay with, but I don't pay any interest on it. I just pay a flat fee per year for the service and they settle the balance each month by direct debit authorization. (Sorry for the bad english)
I assume that you had a TV before you upgraded, too? And the one you bought and used for a year is now one year closer to getting replaced. You lost more money then the 72$ depending on how often you replace your TV. In the end you can afford to replace more things more often when you don't have to pay interest on loans.
You're cynical. The tone of the open letter is nothing compared to the tone of your comment. If you truely believe that we Europeans aren't living in a democracy anymore and that politics shouldn't be about the peoples wellbeing in the first place then stop worrying about PEGIDA or Dschungelcamp and do something about that. You stance of "this is how the world works and I'm lucky to be on the winning team" is both short sighted and highly egoistic. I would be ashamed if many of our "fellow germans" would agree with your point of view.
Because the "anti"-fascists are fascists and PEGIDA are anti-fascists. Their anti-fascism is one of the reasons why they are against Islam -- anyone who is against suppresion, violence, and fascism ought to be against Islam, just as they should be against Communism and Nazism.
I don't think you can call PEGIDA antifascists, since they're, well, far-right nationalists who hate immigrants and have violent tendencies. Just because the Antifa organization holds an intellectually inconsistent position doesn't mean the reverse position from Antifa is actually correct.