Most people can buy the everyday items without borrowing in the Unites States. Buying lunch, for instance, would involve cash. How about when buying a home? Buying a home does not actually involve any cash. The transaction is with checks or wire transfers because of the amount of money involved. Buying a lunch could just be under $10 while the price of the home is thousands or millions of dollars. In the latter, who is that kind of money in cash and skills to count?
