I don't have a moral problem with using a rewards card. If past me could avoid credit card debt while scraping by below the poverty line on disability, with no

I don't have a moral problem with using a rewards card. If past me could avoid credit card debt while scraping by below the poverty line on disability, with nothing but a high school education, I believe everyone could with the proper discipline. It's basically a transfer from spendthrifts to savers.