That accounts for some users I guess, there's probably also some who stumble upon some instance directly and don't learn about federation until some time after they register
This tangent you've been dragged on is so, so irrelevant to the thread, but I wanted to chime in with a couple bits of info that might be genuinely helpful to try to counterbalance the "lmao u doin it wrong and lyin" troll
First - Even if you pay your statements in full to avoid interest charges, the amount of utilization on the card at the time the report is made to the credit bureau is what affects your score. As silly as it seems, even 10% utilization can bring your score down. I have seen it recommended to stay under 8% or around 6%. So one thing you could do is make a payment a couple days before your statement period ends to fine-tune the balance down to something that will look attractive on your credit report. If you are already able to pay things off in full, this should be doable with minimal shuffling around. Utilization doesn't have "memory" so one bad month is not going to drag your score down for a long time.
Second - If you have or can get a credit card with a decent cashback or rewards program, you might be able to put some of those larger transactions on the credit card and come out ahead even with the fees. This is going to be highly sensitive to the specifics though and the card usually needs to have no annual fees or it eliminates the possibility.
There is no situation where something is not abusable. doesn't mean you cannot have that thing. It means you figure out how to improve the consequences for the abuser.
Even if it's annoying now, future you will miss the lost youth later! I can imagine it being annoying when dating though especially if you're more mature than most of the people you attract
Should probably plan for the worst case scenario where that trade is eliminated and mitigate it elsewhere as best as possible.
America's leadership has become cancerous, and figuratively speaking, leaning into their isolationism and letting them starve themselves out as a consequence of not understanding how economic globalization works is probably the best shot at real change.
That accounts for some users I guess, there's probably also some who stumble upon some instance directly and don't learn about federation until some time after they register