It is a tool, I agree, but like any other tool it can be excessively pushed and alternatives can be prioritized or not. As far as I can say, with a European st

It is a tool, I agree, but like any other tool it can be excessively pushed and alternatives can be prioritized or not. As far as I can say, with a European state of mind, is that a credit card poses a risk and temptation for the average person. Not everyone is financially responsible, many times simply due to lack of proper financial education, and they deserve a little attention.