The trick on credit cards is to use them wisely, not spending more than you can afford, always pay in time, otherwise you'll get a huge interest on your balance, while at the same time, you're building a credit score.
What's your take on this? Are you against credit card usage?
Credits cards were issued in order to purchase something that you cannot pay in one transaction and divide it into multiple transactions that has to be paid monthly or annually. Credit cards are not the problem- people are. The fact that most people purchase a product mean that they must comply with its terms. If they cannot pay it due to insufficiency of their funds, then it would definitely affect their credit score.
Most credit cards company do a background/job check before they issue their cards. Again, the problem is not the credit card itself but the people who purchase products who knowingly knows they cannot afford to pay it.