Who created credit ......as in we need credit for buying homes and cars etc..?

was he assasinated murdered or died or horrible death which i wish since credit has ruined the lives of the low income peopleWho created credit ......as in we need credit for buying homes and cars etc..?
Unfortunately credit may have ruined the lives of low income people. However, at the same time it has made others rich. And in our society the rich is who usually prevail.Who created credit ......as in we need credit for buying homes and cars etc..?
Read ';The Cousinhood'; how the Rothchilde family created and controlled the credit system.
Amen to that!