Banks, credit unions, and other creditors entice people to use their contracts and then charge exorbitant fees trapping many unwary people and increasing their interests rates. Companies change their terms without notice. People, in some cases, end up paying the equivalent of 600% interest rate per annum.

Would you join me in a boycotting credit card purchases?
Should we blame the exploited or the banks and regulators allowing exploitation?
If enough of us stopped playing the credit card game, do you suppose some would be better off?