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in my education if inflation come you can use credit card to defend yourself if recession come you can use cash to defend yourself  it just like = either way that is what i learned in usa
if you are using the Chinese long tern tradition way to say what do u think about 30 dollar per hour answer is better than nothing because that is Chinese culture
it depends on how you look at it also different people different point of view on different things it is really hard to tell
if using china style think the answer is better than nothing
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