Thanks, Little Hawk. I'm glad to know someone at least understands what I'm saying. (Agreeing with me isn't as important as understanding, but I tend to take it for granted that, if you say you agree with me, you must understand me!)

And I should say that, by calling it a moral issue, I'm not necessarily claiming any moral high ground for myself. My personal position is mixed. I have both a debit card and a credit card. Most of the time, I use my debit card. My wife, who mainly manages our finances, prefers that, at certain times, such as when we go on vacation, we use the credit card. I think that's because she likes to see all our vacation-related expenses on one statement, separated from other expenses, so she can see more clearly what the vacation is costing us. It's also a safeguard against overdrawing our checking account. More power to her: since she's willing to do all the paperwork, I'm willing to comply.

When we get the credit card statement, we pay the whole thing. That only happens once or twice a year.

I think the moral issue mainly comes in when you decide to either support or oppose reforms in the banking industry. Unfortunately, too many people look no farther than "what's in it for me?"