He believes that once a credit card bill or bank issue happens, it is often better to avoid the administrative burden of resolving it if it involves complex banking technology or tedious processes.

“I hate all that [ __ ] Mhm. But I really hate all the electronic stuff. Yeah, I just I don't mind it and I there it is like such a burden hanging over you and it is like what responsibility like responsible people.”

He thinks it is acceptable to let bills and credit card payments go to decline or miss payments because he has had to rely on workarounds like paying minimums or waiting for others to cover costs due

“I did it and I've switched my card recently and I've been letting cards decline all over town. If they really need it, they'll come find me.”