It's helpful in the sense that there is some amount of people at the edges, who aren't financially literate, but would like to be. To them, credit cards may hav

It's helpful in the sense that there is some amount of people at the edges, who aren't financially literate, but would like to be. To them, credit cards may have always been described as a necessity. Telling them that holding a balance is bad may be enlightening to them, and be the thing that sets them on the right path. Never underestimate the value of seemingly obvious advice.