Just my opinion

The vast majority of Americans can and do use credit responsibly. The Dave Ramsey approach is similar to Alcoholics Anonymous, Gamblers Anonymous and Narcotics Anonymous. There are people who cannot handle Alcohol, betting, drugs, and yes, money. For that segment of the population, total abstinence is often a great solution. However, for each Alcoholic, each compulsive gambler and each drug addict there are hundreds of people who drink alcohol, go to casinos or take pain medication without spiraling out of control. The same with credit. Used properly credit allows us to buy houses, invest and grow businesses and yes, get some instant gratification. And the vast majority of those people who have used credit to buy RVs do not end up eating cat food in their senior years.