What a dumb take. If you pay off your credit cards every month you never pay interest and DO NOT spend more money. That’s an irrefutable fact.

Even your article says ‘Well yeah, some people can pay their cards off but a lot of people don’t, so you won’t be able to either!’ Ramsey speaks to people who can’t effectively manage finances themselves.

Being bad with money is expensive whether you use cash or credit. The people paying 22% interest subsidize the free rewards for the rest of us.