But why would I bother growing my own vegetables when I could buy them from the cheap market down the street? Why would I spend hours sewing a T-shirt or tank top when I could buy one for $5? Why would I put blood, sweat, and tears into refinishing a piece of furniture when I could buy something new that looked good already? These were the rationalizations I’d made with myself for years. If I could pay for it, I would—and usually with a credit card.

