I assure you, unlike 80% of Macintosh owners, I am not a mindless idiot!

Also I am NOT one of those artsy elitist people who switched from Windows to Macintosh, I have always been a Macintosh user as my first computer was a 1993 Macintosh Quadra 605.

I don't own a credit card, nor have I ever owned one.

I have never taken a bank loan in my life

No I'm not rich, maybe someday though :)