Credit Card Debate

There’s a debate about credit cards:

Is it the credit card or the consumer who’s to blame for overspending?

It’s irrelevant.

Marshal:

There’s a Mitzvah to put a fence/mayka on a roof to prevent falls.

There’s no debate if the roof or the faller is to blame. The problem is just solved.

If you’re like me and spend more when you use credit cards, use them less and make it less convenient to use them.

Problem solved.