I think it is. I only spend what I can afford to, and I have never carried forward a credit card balance. The only reason I use credit cards is because of the c

I think it is. I only spend what I can afford to, and I have never carried forward a credit card balance. The only reason I use credit cards is because of the consumer protections, benefits, and cash back I get from them. Assuming spending behaviors are fixed, one can make more money buying things with a credit card than buying things with any other payment method. That said, none of those aspects _should_ in any way be inherent to holding debt, but so it goes. I don't object to _all_ debt. Yes, I took out a loan to buy a home and pay for my education. But the former made more financial sense for me than renting, and the latter is paid off and a big reason why I have the income to afford a home in the first place. It's problematic how normalized holding credit card debt is in the US (at least, it is more so normalized than elsewhere in the world).