Credit cards are part of a bit enslaving credit mechanism.
Credit cards have several advantages and now many credit cards are equipped with reward programs that can provide cashback, travel rewards or other facilities that can be very valuable for users and can enjoy purchase protection. In some cases, credit cards can become part of a debt cycle that can lead to financial problems.
Since you quoted that part that I wrote, you could also quote the rest where I explain that very few people use them in a perfectly rational way. Rewards such as airline miles are highly profitable for companies, and what they do is encourage them to spend more, making it very profitable for the company and for the user in most cases and even if they don't realize it, no.
I also explained in a previous post in this same thread the concept of friction. Several decades ago, companies were reluctant to accept credit cards because they had to pay commissions, but they soon carried out studies and realized that people who use cards end up spending more, with what the company has to pay the commission and still earn more.