It's problematic because it presumes people using a credit card are doing so because they have to, when there are other valid reasons. E.g. I often use credit

It's problematic because it presumes people using a credit card are doing so because they have to, when there are other valid reasons. E.g. I often use credit cards for purchases I have cash for (and them pay them off), because there are dramatically better protections for credit card purchases than debit card purchases. I also get benefits like cash back or miles which I do not get on my debit card. Using a credit card != couldn't pay with cash.