Its overly simplistic to just say people shouldn't paid money they don't have (as a general principal they shouldn't) but life its like that. If your car breaks down or your roof springs a leak then you pretty much don't have a choice but to spend the money to fix it, and sometimes this means going into debt with the Visa. you need a car to go to work and keep your job, you need shelter etc. My girlfriend for example had a choice of going into debt or not buying the books she needed for college and failing out. She's debt free currently but ending up paying off way more what was fair.

Once you're in debt the interest rates are designed to bend you over and fuck you up the ass. Plus they way our economy is set up, you're just short of required to own a credit card. Try renting an apartment or buying a car without credit.