I do not see credit cards as the biggest problem. There is some incentive to abuse them, but using them every day is not the problem. I use them all the time, p

I do not see credit cards as the biggest problem. There is some incentive to abuse them, but using them every day is not the problem. I use them all the time, pay them off each month and enjoy benefits and protections not available via debit cards (so I have only of those and only use it when I'm in Europe :) ). I personally see the incentives to borrow a hell of a lot of money to buy a house or a college education as much bigger issue.