So what would happen if we didn't have such an elaborate economy as we currently have. Would it be so bad to not have credit. Maybe just work and save and borrow on a personal level.

Hi, eriknugent!

I think that we would all be in better shape financially if we didn't have to develop some kind of credit in order to be able to get a lot of things that we might want. Working, saving and borrowing on a personal level sounds fine to me. The people that operate with that thinking are less likely to get themselves into financial trouble.

But, there could be much more to the discussion concerning what you have asked...

What ideas do you have about what you have asked, please?

Thanks!