Saving money could be achieved by staying out of debts, avoiding credit cards (use only debit cards), only request a loan when it is necessary (and make sure you would be able to pay it back before taking it) and by cutting down your expenses on things you don't need to spend money to. Just my opinion 
I totally agree with you that in order to save money we should stay out of debt and dump those credit cards.
Spend within the budget and don't go beyond. Learn to budget wisely so that there'll be savings for the rainy days.
Nah. I have a couple credit cards but I can managed to saved money. It's not with that shit cards or loans. It's on your self discipline and vision if you really want to save money. Don't blame that physical things. They don't have brain like you. You are the one to control them not them to control you.