[fenwick67]

Many people have aversion to actual credit cards because most middle-to-lower-class families have stories of family members going into financial ruin, exacerbated by or ending with credit card debt.

"Just be responsible with your credit cards" is an easy mantra to live by if you are financially privileged.

[vibrolax]

The only financial privilege needed to use a credit card safely and responsibly is the discipline to not spend more than one can pay when the statement arrives. It's nothing more than self control.

[hn_throwaway_99]

Get a secured card then.

[NikolaeVarius]

> most middle-to-lower-class families

Citation needed