Laurel is a high school student who is taking a class in personal finance. She has
learned about the dangers of debt and that debt should not be used as a financial
tool. She recently went with her mom to open up her first checking account at
the bank. The man at the bank told them that Laurel should consider getting a
credit card to cover overdrafts and to help her build credit. Laurel has already
decided that she does not want to use credit cards. Since she has seen her parents
struggle with debt, she prefers to live debt free. Her mom somewhat agrees with
the banker since the use of credit has been a normal part of her and Laurel's dad's
finances. What can Laurel say that would politely convey to her mom that she is
making the choice to remain debt-free?