You can spread costs over a longer period of time
It can lead you into debt
Because of interest, you end up paying more than you would have with cash
You don't have to wait to buy something
Through civil disobedience, as in protesting or using the first ammendment right to voice your opinion
voting beacuse voting is a choice
An electronic calendar would be an example of software. The remaining things which you've mentioned in your questions would be examples of peripheral devices (so mouse, scanner, and monitor :)).
In Chinese society, the merchant class ranked below the A. Farmers and Aristocrafts.
