Bad credit doesn't just affect your borrowing capacity. It also negatively affects your ability to get a job and rent accommodation. Employers and owners often perform routine credit checks and use them to make decisions.
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"The principal difference which is between the pleasures of the body and those of the spirit, consists in that, the body being subject to a perpetual change, and even its conservation and its well-being dependent on this change, all the pleasures which look at it hardly last; for they only proceed from the acquisition of something which is useful to the body, as soon as it is received; and as soon as it ceases to be useful to it, they also cease, instead of those of the soul can be immortal like her, provided they have such a solid foundation that neither knowledge of the truth nor any false persuasion destroys it.
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