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I truly feel credit cards are a tax on the poor.
Sure you can try to keep up on payments, one day you may find out you cannot.
Don't live outside your means. Eventually, one has to be accountable over their own finances.
I don't. There's not many more shady industries than the credit card industry. You have to sign up on a website to NOT get offers.
Every store you go to tries to sell you one these days.
Comically high interest rates.
It's not something I want to even dignify, because frankly it's insulting.
All of those are things that normal, educated, and well-adjusted people can account for and avoid when it goes against their self-interest. If you're dumb enough to sign up for a J. Crew credit card because the guy at the counter said you'd get 10% off, you deserve to get taxed
I'm stating it's not an ethical practice.