Your comment "Proper adults have credit cards" tells me all I need to know about your mindset and understanding of the changing shape of the personal finance ecosystem - you are out of touch.
You have opinions, as do I, but I've explained a little on how I formed my opinion regarding the shift from young adults away from credit cards and Paypal based on personal experience in being exposed to real businesses in Australia and so I feel your dismissal of my viewpoint is rather without substance.
You say things but don't say much in the way of why.
I'm beginning to think you are some sort of engagement agent just being contrary to increase page views and thus ad revenue for our gracious host.
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