I use debit cards for everyday purchases, as I don't believe in credit cards. But this has caused problems, especially with American touring, because I refuse to have a credit card - and in America you can't pay for anything on a debit card.
Young adults living with a stutter is hard work. How do they handle job interviews? What do they do when the phone rings? How do they chat someone up? All these things the average person takes for granted prove to be a stammerers biggest challenge.