I had a credit card once many years ago and spent so much time just paying off the interest. So I vowed to never again have one. Although credit cards can be a bad thing and the banks just want you to be in debt, people have to take responsibility for their own actions. People choose to get a card and use it, nobody is forcing them. I don't have one anymore and nobody is making me get one.
RE: Forget living on credit - credit cards are a bigger scam than the average ICO