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That reminds me: I used to think you had two options at the grocery. You could pay, or you could use a credit card, and get everything for free.
When we'd ask for a toy, and my mom would say we couldn't afford it, we'd counter, "But you can use your credit card!"
I used to think the person working the cash register just got to keep the money, that was their job, and thats how they got paid.