Wow! I can't believe people would skip out on 200k worth of CC debt (actually I can!) It's just amazing that they would think it's okay!?
But on the original topic:
Credit card spending, like so many things in life has options, variables, decisions around it that you can decide to make.
Who says you SHOULD spend everything on a credit card instead of cash? (Quit "shoulding
" on yourself, it's really a bad habit!)
Instead if you are aware
that something works better than other things for yourself, then be okay with that. For example
: I know that I don't like to get up early in the morning, so I have structured my day to allow me to sleep in. Other people might say, "Well you should
wake up early, or you'll be wasting your day!" To which I respond and tell them I do my best work in the evening...I am aware of what works for me!!
I also don't do well with the idea of discipline, it feels very "forced" and feels like I will be doing something that isn't in alignment with who I am. I prefer to make a choice about my decisions, not to HAVE to be disciplined because I've been bad.
Everyone is different, and if you miss out on the rewards points, you won't die, you won't melt, and you won't create a nuclear holocaust. You can save in other ways, like on interest that you would have paid on the credit cards if you continue to use them.
There is no cookie cutter system when it comes to finances. Know what works best for you!
My two-nickels worth!!