Duh. The principles behind avoiding debt aren't new. From forgotten Saturday Night Live skits, Popeye cartoons - "I'd gladly pay you Tuesday for a hamburger today," - to Bible stories and old parables, we all know debt is bad. Avoiding it all sounds as easy as, "Just Say No."
But IMO, credit cards are as addictive as the strongest pain killers - with people trying them out without fair warning and getting hooked. Case of one: After a 90s education on a large, public university campus where credit was so easy to obtain that you couldn't walk to class without stepping over those 4"x"6 credit card applications, I was young and dumb - starting to racking up a few grand in CC debt. Then after graduation and real life started, student loans came due while houshold CC usage patterns didn't improve (the wife: "I don't care - I've gotta buy diapers for the kids"). Then I over-payed for a relatively modest suburban house just as the 2000s housing bubble started growing.
In the end it all came to a head during that recession, and I spent almost 15+ years fighting through 6-digit CC balances (tied to the house purchase) and WAY too much student loan debt. I had to use every trick in the book (this side of bankruptcy) to finally pay it all off in the last couple of years.
The key point: Even after all of that financial pain and steeling of my soul, I STILL feel the impulsive pull of easy credit like a token-carrying AA program grad. And it's still easy for me to judge others currently in CC debt, even though admonitions like yours come off as pointless as a random, "Just say No!" bumper sticker for the next generation of debt suckers.
And the underlying, "not my problem," attitude driving this is just a lie we tell ourselves. We all pay the price for under-regulated, predatory-level debt like credit cards. Higher crime. Higher taxes and/or government debt. Strained welfare programs and abuse/graft, leading to over-reactionary DOGE cuts. Etc.