Using credit definitely encourages people to live beyond their means. I think some people use credit cards more often because it gives them a little bit of time before actually having to pay for things so they can put it off for a little bit. However, this could get you into even more trouble because people could be late on a payment and then have late fees and it just keeps snow-balling into more and more fees until they are definitely in trouble. I also think when you are using credit cards you do not actually have a sense of how much you are actually spending since you cannot see your money going away. Because of this I think people do not keep track of their spending and are less aware of their finances when using credit. Credit cards are very dangerous!!!