text: Tom: Well, I don't have a credit card. I get my money in a brown envelope every Friday and am happy with it.
  Sam: That's so old school! I didn't know ppl still got paid wages!
  Tom: Arrangement with my employer. Don't trust banks.
  Sam: Y?
  Tom: After what I've told u, u still need a reason?
  Sam: Yes and no. 
  Tom: What do u mean?
  Sam: Well, I can understand y ur so against the banks and so on, but on the other hand c'mon!
  Tom: I won't get persuaded into getting an account.
  Sam: So how do you pay ur bills?
  Tom: Old school! I got to the office and pay them.
  Sam: Bt that's a complete waste of time.
target: Tom doesn't have a credit card. He gets the money in cash every Friday. Tom pays his bills at the post office.