This is true. People who perpetually disassociate card spending with the cold hard cash they have in their account will never be able to build credit. More often than not they have psychological issues that need attention and treatment. This disassociation is common in people with addictions. Most common is gambling addictions but can also be materialism, hoarding, etc. These are VERY hard to overcome.

I do not understand how the system allows placement for kids in a home already pending a sexual assault investigation. Blows my mind. Then again, this is Texas. If they barred pedos, there would be no providers.