I believe it’s SB just for the fact that having a line of credit available and not using it simply isn’t an option for some people.

Imagine you have a line of credit and you lose your job, but you still need to feed your family. Then that person is going to do what they need to provide food.

The bias come from you commenting in the vain of I did this, ergo everybody else should be the same, when in fact we are not all the same.

Similar to how someone from a council estate can make it as a politician, which neglects to consider that 99% of people from council estates with that dream didn’t make it.

I hope that makes more sense. I suck at explaining things.