in a sense you're correct, I wont go into explaining you about dave ramsey as it's off topic here, but credit cards do have their place and so do debit cards. As an example, a good friend of mine was T-boned by a drunk driver, taken to the hospital, the only way his wife could pay the medical bills (until the insurance claim was settled) was via credit cards. As soon as it was settled ($5mil USD!!) she paid it all off. So, credit cards DO have their place, and you are correct that a lot of fools don't know how to spend and get themselves into debt. However, small purchases and emergencies are always there, as long as you pay the balance in the end of the month, you're fine.
Mr.X