I mean fair enough but we were already talking about credit cards, not villagers.

You said (emphasis added):

> We should be careful to distinguish when credit-cards are used for credit purposes versus the common scenario where they're just the default/convenient payment method and a debit-card could substitute just fine.

So it wasn't about "credit" in the anthropological sense, as credit cards are never used in such a way. Unless you are going to suggest there is some bifurcated way of using credit cards where one offers a more "direct relationship to my community". In short, my misread wasn't as you indicated - about failing to misunderstand something about credit cards. Rather it was conflating a general sense of "credit" (such as credit cards) with what they had meant, "I'm talking about "credit" in the David Graeber sense, where people effectively just remember who has done good things for them and reciprocate, not in the modern sense of credit cards and bank accounts." - which is what you term the "anthropological sense".

So I appreciate the nudge in the right direction, but I hope you see my point given what you actually conveyed. Thanks, have a good day!