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.
That's right, people who are in the habit of using a credit card to pay, spend more money, because there is no moment when people give cash themselves, the moment of parting with money is easier. Online payments have become part of our reality and it is hard to imagine our life without online banking. The most important thing is to use the balance of your money and not have the habit of using credit funds, or reduce the credit limit to the minimum values so as not to spend more than you should.