Throughout your early years, teachers, principals, parents
, and other authority figure
s would warn you of the terrible effect your mischief was having on your permanent record
. Perhaps this frightened you. Perhaps, after caught in the cookie jar
in sixth grade, you thought you'd never be able to get a job
. Blemished forever, you hung your head in shame, resigned to your future as a janitor
At some point, you realized that nobody cared. Nobody was watching you. There was no permanent record.
And then you got a credit card.