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CronoDAS comments on Mandating Information Disclosure vs. Banning Deceptive Contract Terms - Less Wrong
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I agree that credit cards suck in general, which is why I never got one.
That people seem so unwilling to opt out of what is so widely panned as a terrible deal leads me to believe that they don't mind being exploited as much as they say they do.
People always act like you can't get along in the modern world without a credit card, and that somehow that justifies intrusive regulations. I submit that you can get along just fine without one.
I use debit cards when I spend my own money.
So did I, until I was informed that having a credit history is a very useful thing, and that one doesn't need to ever incur interest or fees in order to obtain a good credit rating with a credit card.