Or, there are those that refuse to use credit at all then have trouble later in life when they cannot purchase a car or home because they have no credit.

The middle ground is road that will lead you to where you want to be.

Again, best place to get education is right in front of you. Talk to those you know who have had good and bad experiences. Find out what they did.

The most important things to know about credit are basics.

Do not overspend.

Pay your balance off in full each month.

Make your payments on time.

Don’t take on too much credit either.

Getting credit education may seem silly, but in reality it can keep you from making big purchases that you cannot afford.

In end, you have ultimate choice. And, it is same as with learning to read.

Either you never learn how to and struggle your entire life or you take time know to learn and breeze through it throughout rest of your life.

Governments are world's major manipulators. The primary purpose of any Government's manipulation is to create an illusion of well being among its citizens. The North Korean government no doubt has some of its citizens convinced that they are living in a "Workers' Paradise." As a government gets its citizens to wear rose colored glasses, they act in ways that help government enhance national economic illusion. If a government projects a positive economic picture, people buy products and services and economy improves temporally. If government keeps mortgage rates below inflation rates, more people buy houses and there is a construction boom. People act upon their perceptions and not upon underlying reality.

Societies act upon their social and economic perceptions, until those perceptions collide with economic reality. It's major collisions between economic illusion and reality that creates economic cycles. Meanwhile, for those who can see illusion, there are always opportunities to profit from vision. From OTC to NYSE, stock market is a world of pure illusion. If you see difference between Market's reality and public illusion, you can consistently win by speculating in stocks. If you realize that advertising is hype, you read labels at Supermarket. If you know that Government statistics are biased, you find formula that has them better reflect underlying reality. If you hear Voice in Wilderness that claims that economic salvation is gold ownership, you read economic history and realize that gold is a false god.

You don't have to be a Machiavellian to realize need to question everything people want you to believe. If you act upon perceptions, you will eventually be a loser in game of life. If any decision is important to you, check out information before you act upon it.