Credit cards in Europe are a form of very short term credit: you spend and pay the entire balance on the next month. The is very different from the model in the US, which is designed to keep you in debt forever.
I do, with different tools and most of the time at a higher level of abstraction. The same way we understood the machine code 2 years ago, even though we didn't write it directly. Just another layer, nothing more.
I see a lot of people trying to run away from Anthropic "window of doom" affair lately, me myself included. What has stopped me so far is the lack of real alternative to Opus. Not even gpt5.4 comes close