I think people have an overly negative view of debt. People without a money buffer benefit from easy revolving credit. The best and only sane use of credit card

I think people have an overly negative view of debt. People without a money buffer benefit from easy revolving credit. The best and only sane use of credit cards is as a float between paychecks. If you need a real loan for long term debt, I agree that people should get one on much better terms than credit card interest rates. Paid on fridays but want to grocery shop on Wednesday? Better hope you have enough in your account on Wednesday.