YOU would, but a lot of people with credit cards don't even understand that it's a loan, or what compound interest is. They put the expense on the card and then pay the minimum payment, either until it's paid off with insane interest, or they keep racking up debt until they reach their limit and get a worse card, until they're trapped in a cycle of poverty

seriously, everyone in this thread should watch Financial Audit and see how people outside the silicon valley bubble really live. That show has extreme examples to be sure but there are so many people like this