The answer literally just came to me. The loser is the guy that just stopped by my office and announced he has received his first AA card because he has multiple weddings to attend, but "damn they got 22% APR". I asked why it mattered since I assumed he paid in full. You know what happens when you assume!
Answer: Well, I got 11 weddings/family events to attend in the coming months and I don't have the money so I need to pay over the next year or so.
The old me (pre-MS) would have gotten on my soap box about debt and preached to him about making decisions and cutting some of those events, but the new me just smiled and said OK. And thought to myself "Thank you for supporting my MS"!