The use of credit for investing has been one of the big contributors to the prosperity of the United States during the turn of the 20th century. We see it all over middle Georgia. It was also the main cause of the great depression of 1929 and a major contributor to our depression in 2008 (Note: The US has shown an economic downturn roughly every 40 years, anyway.). The use of leveraging someone else’s money or extending credit to invest has created most of the wealth you see today. Investing without credit means that you must use all of your own money to complete a transaction.