[ValentineC]

> There have been many periods in my adult life where cash flow has been a significant problem for me and my family, but it has never even occurred to me to use revolving credit as part of a solution to those problems.

I don't support paying interest on credit card bills either, but some cards come with a "0% on balances for ~12 months" welcome offer [1], which might help a little if cash flow is tight, but the borrower knows that some income will be guaranteed in the coming months.

[1] https://www.cnbc.com/select/best-zero-interest-credit-cards/