I agree with you 100%! I guess that's why soooooooo many Americans are in debt. You can't afford one thing so you put it on a credit card, then have to pay interest on that, then more stuff goes up in price so you take out another credit card ect....My FI and I try to avoid credit cards if at all possible. We each have our debit cards, and a shared credit card for "Emergencies" It's hard to save money when everything is going up, up, up! It's scary out there!