Sounds about right. Old timers learned it one way and never touched a book again. YouTube guy actually shows you why the roller expands and that matters more than some guy yelling at you.

The uncle asking twice if you sent the payment yet is the part that would get to me. It starts small, just a check-in, but then it turns into him watching your spending. You show up to Thanksgiving with a new phone and suddenly he is doing math in his head about whether that money could have gone to the loan. And God help you if you ever miss a month, because then it is not just your credit on the line, it is every holiday for the next five years. The 14% would have stung, sure, but it would have been a clean wound that healed and went away. Family debt never really goes away.

Whoa, hard disagree, that's just luck, not a plan.