Why are you less likely to incur crushing debt if you use a debit card rather than a credit card?

Using a debit card helps prevent crushing debt because it draws directly from your bank account, ensuring you only spend money you already have. In contrast, credit cards allow you to borrow money up to a certain limit, which can lead to overspending and accumulating debt if not managed carefully. Additionally, credit cards often come with high interest rates, making it easy to fall into a cycle of debt if balances are not paid in full. Overall, debit cards encourage more responsible spending habits.