I live in a (what you call condo) unit I have the bottom unit of 4 which is pretty cool I don't even use a fan (which I have a few) my car has no aircon since it broke many years ago and not worth repairing since my car is 26 years old.
I could laugh about you guys complaining about the heat, where I live, we had 10 days over 40 and to follow with another 14 days in the high 30ths. And I don't have an aircon at all.
No, you are wrong if you are a pensioner in OZ you will not get a credit card unless you have other income, my credit rating is 100% Good I have no debts I never had just living on the pension is no security for the bank.
Lucky, I don't have a credit card because of my age the banks won't give me one I just have a debit card with just a low fee per year, I must add I am not in LOS I am in the west.
I guess you never had a trailer I used to build them where I live every second car tows a trailer or caravan there is hardly any accidents involving trailers or caravans.