

Conservativism is, and always has been, a misdirect. It isn’t an ideology. It’s something you say so that it sounds like you have principles, but there are no inherently conservative principles.
Check your history books, it’s always been this way.
Conservatives establish their priorities by first drawing a circle on the ground around themselves, and the deciding who is with them inside the circle. Everyone inside the circle is a member of their group, the Self. The Self is good because they are inside the circle, and the circle was drawn to define who is good.
And that’s it. Everything else is a flexible derivation of that decision. Policies that are good for the Self are good because the Self is good. Policies that are bad for the Self are bad. You get the picture. Everything a Conservative does or says is in service of defending and advancing the Self’s interests.
Importantly, anyone outside the circle is the Other. The Other can be bad, or they can be irrelevant. The Other cannot be good, because they aren’t the Self. If the Other tries to oppose the Self, the Other is bad. If the Other does not oppose the Self or even assists the Self, they are irrelevant.
If the Self lies or cheats or murders, then those were necessary acts in service of the Self, and therefore good. If the Other acts heroically or honorably or respectfully, it is irrelevant.
The good news is that you can be inside the circle, as long as you agree to go along with the game. Support everything the Self does, oppose anything the Other does to stop you, and refuse to acknowledge the inherent ridiculousness of your lack of fundamental beliefs.
You can always get credit, the only question is how much will it cost.
If you’re asking why does Best Buy offers credit cards and your dentist doesn’t, it’s because Best Buy might not get your sale. They want you to see the product and buy the product and if you don’t have the money they want you to borrow the money without leaving the store. It’s all about reducing friction between your wallet and their register.
Your dentist doesn’t need to reduce those obstacles to purchasing. You need dental work, and they bill you. If you can’t pay, that’s a you problem.