Nope, common misconception. The most common type of hand sanitizer doesn’t contain antimicrobials. It just dries out the germs with alcohol, which is not a thing they can develop resistance to.

This is stupid and a waste of time.

Good luck ever getting a loan or mortgage without a credit history.

Like it or not, credit cards help build credit, so at some point, most of us are exposed to them. Plus, the idea is not just to introduce them to credit cards, but also show them how to use credit responsibly.

Just like a Michigan fan to only win 1/2 of the argument.