Someone said :
Credit cards are not to blame as such. It's in the way you manage them. I was in London recently and used my credit card throughout. No need for cash at all. Just check your balance regularly and transfer the money into your credit card account as you go along. In fact it shows were you spent the money but it's easy to ignore your balance and just let it run up. I just pay my card every week. No interest,no charges and no problems.
This only work for people like you and I who basically use it as a debit card.
But people who struggle with finance, will not be able to control their use of the credit card: the tool becomes the problem, and that tool is to blame for being so complacent with "credit".
Some people just cannot trust themselves with credit, just like some people cannot resist finishing the bag of sweets or the full pack of chocolate. In that latter case, family size servings are rightfully to blame: they indulge the lack of control of the individuals.
(Individuals are still responsible, and not blameless, but the complacent tools are also to blame...)