Two quick points.
1 Eating McD's is not necesarily cheaper. $5 of ramen noodles goes a heck of a lot further than $5 of McDs.
2 The credit card companies don't cause the problems. The people who get the cards and use them irresponsibly cause the problems. No one twists their arm to get a card, nor to use it until they are over their limits and heavily in debt. I don't have a credit card. Never have had one.
Personal responsibility. I'm a HUGE fan of it.
The $6K rims on the food stamp people's cars? Yeah, that bugs me too. And I also agree with the no money to chairties, in general. I give food and clothes to chairities, rarely money.
Wolfy