some of them are funny, but for the most part they just waste my time with stuff I will never buy.
no i don't want to go $40,000 in debt on a new car, no i don't want to go $80,000 in debt for a degree in something. not gonna buy make-up or hair dye, not planning on dropping a grand on a new computer or phone. I already have car insurance and don't plan on switching to a lower rate at a different company so they can raise it higher than what i am paying right now in a few months,
I am not going to "lock in" to a 2 year contract on anything so I can get the low price for a year and then have the price shoot up to some crazy amount for the final year while I am still chained by a contract that you have to pay to get out of. and I don't want to wind up paying 18% interest on a credit card and be up to my neck in debt so I can earn cash back.
I don't do debt or credit and I don't chain myself with agreements and contracts