The Best Financial Advice: "Don’t Buy Stuff You Cannot Afford"

I've had the bank try to sell me some kind of insurance that would protect me from not being able to pay off my credit card if I suddenly lost income. I explained to them that I only use my credit card to buy stuff online, and that the money is always in my bank account - I just need the credit card to be able to pay for stuff on the internet. They asked "but what if suddenly you had no more money in your bank account?" and I answered that I would obviously not be buying stuff online if I had no money to pay for it. They didn't understand... I just hung up the phone.