>>1371100
>security features that debit/cash don't have
Cash. Sure. You move that, it's moved.
Debit? Prove to me the bank cannot - at their chosing - dip into another bank's accounts and reverse the flow of money. If they choose to is another matter.

>Debt alone doesn't paint the whole picture.
But it's most of it. If you could afford it you wouldn't need credit. You'd buy it. Most of debt acquisition is folk living outside of their means. As for 'unmanagable' - you overstepped once, you'll do it again. Unmanagable is just a matter of time and a few unfavourable variables to align.

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New credit card debt record just dropped