I think it's sorta funny
how when you pay with *plastic
they ask you:  "Debit, or credit?";
because,
as denoted in a dictionary,
they are polar opposites;
yet,
as connotated in popular culture,
they differ
only in the time it takes
to be charged,
that is to say
to incur a loss.

So,
in certain ways,
it can be said one is wiser
to chose "debit";
which, I find, deeply ironic:

In our culture
One
gets to choose
either debit
or credit;
and,
in our culture,
One
can be wiser
to choose
debit.

This, and more, withstanding;
I tend to try to use cash.