This caused the world to be more open. We started inventing things, learning more about new things, accepting everyone. These were great changes. I mean take the USA for example
I think that the most important thing you need to realize is that you are not falling behind, you are surviving a pandemic.
You can go into debt or owe money to the bank with a credit card and a debit card only allows you to spend what you put in.
To be honest the correct answer is Olaudah Equiano