True but it goes deeper than that.

I would add the following? Why would someone prefer credit cards over debit cards. Debit cards are immediate payment in full. Credit cards can be challenged and reversed. The car companies say it's for extra charges and routinely stop an amount larger than the projected bill. The Airlines however routinely commit some thing called conspiracy to defraud when the over sell seat spaces and then do not honor first bought first choice. It's both a criminal and civil charge. I have no answer for the last one except big payoffs to politicians which come to think of it brings up RICO.