I get what you are saying here.

Realize that credit cards are an option.

What happened to paying by cash, or check, or simply doing without?

If you found out that all the loan sharks around were cannibalizing each other, would you react the same way or would you take action (even if it is incredibly hard and unpopular) to not need the loan shark in the first place?

Credit card companies count on us being lazy and undisciplined. We enjoy the convenience. Frankly, I enjoy this, too. Now I am looking at how I can cut credit cards out of my life.