TuTu Monroe
A Realist
It's refreshing to see someone not blaming others for their own actions and taking personal responsibility. It seems to be rare these days.
I will point out that as a guy with a debit card, I have fucked myself over by overdrawing numerous times, but I admit its entirely my fault. I am attempting to build up my credit so that I can get a credit card and not worry about these things, and right now I have a Shell Gas Card. Everyone else (WaMu, Costco, and Fred Meyers) has rejected me so far, although one of them no longer exists, and one of them uses American Express (which sucks).