I agree with your post, but would point out that using a credit card for gas and groceries doesn't automatically mean that person is in debt. I use a card for those purchases as well but pay the balance in full each month, it's convenient, I get a few hundred a year in "cash back" or "rewards", and haven't paid a dime in finance charges in over a decade.
I have done the same thing for a decade or more. In my case I usually get 5 to 7 free hotel rooms (Starwood) per year. We are referred to by people in the credit industry as deadbeats. We aren't their favorite customers.
The Pig.