Endless is okay with me. I would like the chance to be given an endless life.

Ask farmers right now how work is getting by on current trade tariffs and fewer undocumented workers. They shot themselves in the foot. I suppose the case can be made that they of their own will chose to be financially irresponsible.

Of course, we are all more or less imperfect, and I�m willing to cut people some slack. But free will doesn�t do well without some regulation and oversight, and if we don�t admit to our lack of putting enough money aside or don�t expect so-called unexpected everyday expenses such as a wornout part on the car or a home appliance, there you have it.

Until you can�t. People don�t choose to carry balances and pay interest as their favorite option, but when they insist on postponing the monthly payment until the last hour of the due date, there isn�t much room for errors.

I don�t know the distribution of interchange fees vs interest fees vs maybe something else to pay for award points and signup bonuses, but where there is gain, some lose. There�s no such thing as a free lunch, and growth isn�t much of a silver lining with plastic at the bottom of the sea.

Time for lunch!