The least important issue in an individual's basic wealth protection is D. avoiding credit abuse.
To accumulate wealth and protect it, one must consider their cash reserve, ensuring sufficient cash is set aside for investments. Homeownership increases the opportunity for wealth protection and gives the individual some credit reporting strengths. The reduction of income tax also increases one's ability to accumulate and protect their wealth.
Thus, avoiding credit abuse is the least consideration, among the given options, in protecting wealth.
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