One thing no one teaches you about adulthood is how emergencies always seem to arise at the most inconvenient times. If tree roots growing through the sewage line couldn't care less that you've just spent all of your funds on a car repair. Everyone will undoubtedly suffer a financial emergency at some point and require immediate finances to deal with it. Looking into your account and seeing that you don't have enough money to do this might be demoralising. Especially if you believe you would not qualify for a loan from a bank or an existing lender for one reason or another.
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