Some genius (usurer) dreamed up the idea of a credit card. “I will allow this person $XXX amount of money and then charge interest on the unpaid balance – I will make a fortune”. That is a true premise and conclusion. Credit card companies DO make a fortune on interest. They also lose out sometimes when card owners default and declare bankruptcy, but they overall still come out ahead.
Anyways (personally) I really don’t mind using credit for large purchases, like a car for example. It’s not like I have $10,000 in cash to plunk down for a car. Also, in inflationary times (which we are not really in right now for the most part), it’s better to take a loan and repay that loan later with dollars that have less purchasing power. But that’s a whole other economics topic discussion which I don’t really want to go into right now.