1. How much are you spending on your cards every month???
2. Why not have more than one card for different things, rather than cancelling cards?
3. You generally want to very rarely cancel a credit card, I recommend finding one with no annual fees and sticking with it. You can always have more cards after all.
4. A spending limit doesn’t really mean anything if you payoff your credit early, you can always request that your CC company release your credit early once you pay it off early.

If it has the BlueSky moderation tools I think that could go a long ways to keeping it a pleasant place. Quality moderators can help steer the culture of the boards as well.

I agree, I actually have been wanting a 4chan type replacement for a while and I believe there are enough tools out there with a federated space for it to be possible. 4chan’s method of communication in the best of times is fun and spurs some interesting conversations, when it’s done right. I think we all know what 4chan does wrong, mostly its lack of any noticeable moderation or automods.

If it had the same type of moderation tools that say BlueSky had though, where things like misinformation, slurs, etc. are removed/hidden as the default setting for users. Then this would go a long ways to building a kinder community/discussion space.