If you're seeing moral superiority in my arguments, Jim, it's because you have projected them there. Maybe you're just seeing your own reflection in that mirror you're holding up.

We don't have much money. But one of the reasons we are able to live within our means is because we take advantage of opportunities to make money when they present themselves. Which is why we choose to benefit from the rewards points that accrue on our credit cards when we use them. The reason we can pay our cards off every month is because we don't live beyond our means. Our spending habits are no different using credit cards than they would be if we were writing checks or using a debit card. We spend the same amount, but we just use a credit card at the point of purchase rather than cash, checks, or a debit card. You need to be more circumspect about projecting your own motives onto other people.