And no matter how my "circumstances might change" before the end of my billing cycle, I still have the money and the bill WILL get paid.You're choosing to make purchases before you pay them. Whether you have money at that point or not, makes little difference to how circumstances might change before you pay the bill, before which time you have no choice about paying it.
You keep talking about "circumstances changing". How would this be any different than you paying for your purchases right out of your bank account and that money is now gone, and then your circumstances change? We would both be in the exact same position. Only difference is the money is out of your account after each purchase and I pay it all at the end of the month. Same amount, different pay schedule.
You made the statement, explain how I'll probably pay more than I would have done?You're delaying payment, assuming all will go well just to get 1% back. You'll probably pay more than you would have done.
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I guess those people shouldn't have a bank account. Ya know, in case their circumstances change.Don't forget that he's completely missing that just because someone is using their debit/checking account doesn't mean they aren't spending what they don't have. In 2017, Americans paid $34 Billion in overdraft fees.
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