Yeah that ' s not true . Superman has killed people before and he ' s not bigger about it than Batman . Superman is pragmatic enough to realize that his duty to the world is more important than his own beliefs . Zod ' s the biggest example but he ' s killed others before . <| sep |> Depends on what the thing you are buying . Sometimes it might make sense to buy something you can ' t afford if the cost of not buying it is higher . For instance if you depend on your car to get to work and it needs a repair that you can ' t currently afford then it makes sense to use credit to buy this thing . If you own a house and there ' s a leak in your roof then spending a few thousand dollars to fix the leak is well worth the interest given the cost of not doing so is tens of thousands in damage and mold claim on the house . Though the optimal credit product here would be a Home Equity Line of Credit , given the lower interest rates . Ideally all of these situations would be served by an emergency fund , but there are certainly times when credit cards and interest serve a valid purpose in personal finance . It ' s not as simple as all credit is bad or you ' re doing it wrong if you don ' t pay your balance in full every month . If you ' re doing something highly discretionary , like going on a vacation or buying new high end electronics on credit that ' s almost assuredly a bad idea .