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Find a secured credit card. I was able to get one from USAA with a $5,000 limit (you just deposit $5,000 in a CD to cover it). Not many people realize this, but you do not have to …

It would still be easier for them to charge you with lying to a police officer than investigating the stolen goods, and they'll still have a "win in their books."

I think it's mostly cultural. I don't know of any other culture where the idea of shunning success is so widespread. People are made fun of for "acting white", studying, or shunned…