Given the choices in the title I have to say you’re the worst!

This feels like far too overwrought a situation when it’s really rather straightforward. If this thing you use every day is shitty and doesn’t work, and you can afford to replace it with a non-shitty alternative, why would you not do that? It doesn’t need to be some navel-gazing exercise into one’s deepest identity; you just need to have a wallet that doesn’t suck.

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