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army1987 comments on Knowledge is Worth Paying For - Less Wrong
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The point isn't "a credit card", the point is "any means of making digital purchases", which pretty much translates to "a credit card". A non-trivial problem in the situation I describe.
Debit cards can make digital purchases almost everywhere credit cards can, and they are relatively trivial to get.
But having no money on the debit card, or being unwilling to spend that money because you're saving for college, isn't trivial.
But then that's not an issue specific to digital purchases...