This is not what is really going on. "Cash" is a type of controlled opposition. An argument could be made that there are advantages to cash, and they are legitimate arguments, but they miss the larger picture of the fraud.

What you are really being offered with the "cash or credit" choice is akin to choosing between a hangman's noose (A) and the gas chamber (B). Both A and B suck, but the gas chamber hurts a whole lot less and if it has a built in 2000 degree oven, the funeral expenses are free. You even get a group discount with the gas chamber.

B is obviously a better option. This meme suggests you are an idiot if you aren't smart enough to choose the best one, when in fact you should be choosing option D, which is not listed.