Credit Card was a hard lesson for my life. Luckily one day, my mom intervened and forced me to stop having one and it was tough to begin with. But after a couple of years, it's part of life. Hahaha..
I stumbled on some videos about poverty in the USA.. on YouTube and it is quite sad to see so many people living in the streets and one whole neighborhoods being in extreme poverty.. It's good that you decided to leave and go to Cambodia.. Many Asian countries are quite affordable... So I don't think anyone is gonna starve.