[MisterBastahrd]

You can do almost anything else at a W-2 job and make more money with less responsibility and risk. Your credit card rate comparison is absurd. You don't ever have to carry a balance with a credit card. You have no choice with a car.

[aoeuasdf1]

W2 jobs are not comparable. Driving for uber is flexible - you can drive whenever you want, for however long you want each week. Obviously that value will come at a lower price point for wages.

[wjnc]

I was trying to do ballpark-comparisons. CC-rates are generally thought of as high-but-not-prohibitive. So being in the range of een CC-rate on first guess would land you in high-but-not-prohibitive-land. Totally right that the duration of an average debt is massively different, although I expect there to be many people that constantly roll-forward their CC-debt.