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Digital banks make life so much easier for people these days. I’ve been in a few situations where I urgently needed money, for example for medical treatment. Going to a bank branch and waiting for loan approval was just not an option for me, while getting an online credit card now is very easy, even if they give you a small credit limit at first. On the other hand, for many people this kind of access loosens things up too much. Money shows up in your account in a couple of seconds, and there’s no sense of responsibility. You need to be careful with that.
