Absolutely there are bad actors, and consumers getting taken advantage of. However as you point out - credit cards essentially make money from the less financi

Absolutely there are bad actors, and consumers getting taken advantage of. However as you point out - credit cards essentially make money from the less financially savvy by design. It's not entirely a bad thing, in a sense.. some people just run out of money between paychecks and need some liquidity. Credit access vs predatory debt are sometimes in the eye of the beholder and a very fine line. It also reminds me of some of the "I've been paying my student debt for 10 years and the balance went up!" like.. yeah, but it means you paid less than the interest. Would you have been happier paying more for the last 10 years? Like what outcome were you expecting and what college education did you go into debt for that didn't prepare you to have reviewed your monthly statements even once in 10 years to realize this?