Do you agree or disagree with the following statements?

• "If goods were sold only for cash, prices would be lower and everyone would be better off." I disagree with this because if people only used cash to buy their items then a lot less people would buy items right away. 
• "If I can't pay for something, it means I can't afford it, so I won't buy it." I agree with this because if people stopped using credit cards then there would be less people who are paying back ridiculous interest rates on their credit cards. 
• "I buy on credit whenever I can because credit increases sales and is good for businesses." I disagree with this because although it may increase your credit rating you have to pay back the original price plus 20% of interest. 
• "You should use credit sometimes: it helps you establish a credit rating, which may be useful in case of an emergency." I agree with this because it does establish a credit rating and it will be useful for times when you actually do need the credit card.