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It's not difficult to use credit cards responsibly and come out ahead. Moat people just lack basic financial literacy and/or the willpower to not use them irresponsibly.
Everybody is winning the Cash Back lotto until they lose their job or end up in the hospital.
I mean if you're living paycheck to paycheck it doesn't matter if you're driving rewards or not when a hardship hits.
It could be argued the person churning credit cards would have the credit rating necessary to get a loan/advance during such a good of need. Whereas someone paying cash all their life would be SOL.
If you're living paycheck to paycheck and putting more than a tank of gas on the card every month, you're doing it wrong. If you have more credit card debt than savings, you're doing it wrong. Part of basic financial literacy is building a safety net, so you're not immediately fucked when something goes wrong.
Agreed. I'm saying someone living paycheck to paycheck can still use credit cards and pay them off each month while collecting the reward points. You can pay all your bills with credit cards and immediately pay the cards off each month. It's the same amount of money, just an extra step.