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I can understand where you're coming from, I'll offer you a perspective from a "relatively young" person who luckily doesn't have CC debt yet, and who has friends who keep falling into financial traps and need to have their family bail them out multiple times.
I'm a bit of a miser/spendthrift in daily life, I travel by train for fun but I also don't get anything on the card I can't pay off by the end of the month.
At the same time, everyone, young and old, now have to sidestep more tricks to get you to spend more to live a normal life. Let me name a few:
A person is BOMBARDED with these various schemes in their daily life, many of which aren't in their control, in addition to your typical credit hustling through letters and in person chats from banks, predatory payday loans and car payments.
At what point does it stop becoming an individual's responsibility, so that we can address these greedy schemes that plague our society?
I don't say it isn't greed and it isn't shifty practice on the part of credit card companies, and some are worse than others, but I'm just hoping to help people steer clear of the temptation to use credit cards if they haven't the money in the bank to pay them off.
It IS a big responsibility of credit card companies to not be usurious with their interest rates, but let's be real - that's never going to change. It's what they do.
Basic necessities are always going to go up, because manufacturers know they have us by the short hairs and can yank us around anyway they please, and people will still cough up the money. They do that with gas prices all the time, raising them when travel is more likely just because they can.
IT's a sad truth that the world we live in is full of deliberate traps to make you a debtor as much as possible. Then once you are in debt, it's full of ways for creditors to harrass and bully you for it.
Totally agreed with you. Credit cards used effectively can be beneficial to people, but those companies make money off of the people that aren't careful with it.
Also I want to thank you as your original comment provided inspiration for me to make an AskLemmy post about this kind of thing:
https://lemmy.ca/post/14780751
I wish I had had instructive help on when and how to use credit cards when I was younger. I did go into debt and so I know how it happens and see how easily it lures people in. So I'm glad you're putting energy into creating a post about it and helping getting the word out.
For me, credit cards were a too-attractive lure and they ensnared me when I was least able to understand how negatively impactful they could be. So I hope getting the information out to others will help them avoid the same pitfalls. Frankly, a bank debit card is useful but most credit cards are probably best avoided if possible.