The American financial system...a.k.a. Corporate America....thus, the American Government, in turn,
requires the ability to track your purchases to better market towards you. Thus, if you don't have some type of "credit" in The System, you are seen as some kind of "outcast". Corporate America has pushed the notion that without money, profit, credit...all the tools they use to benefit from your personal income...you are un-American, a "hippy", and to be considered of a "lower class". Why do you think they call countries like yours "Third World Countries". Who determines what the "First World" is? Oh that's right, Corporate America.
That's my take on it, anyway...
