They all believe in “good people” and “bad people” and that being good will benefit either oneself and or the outer community. Today these religions are still widely used, they’re allowing humans to express their free will to choose whatever course of life they choose. They play the role of judgment of character and soul not physical.
Answer:
I think it's D but I'm not 100% sure so I'm sorry if you get it wrong ...... good luck
The answer is to use credit when you need to not when you want to.