Dave has a method that is targeted primarily to people who have had financial difficulties in the past.
Most of the people he is trying to help have not used credit responsibly. Probably the number one thing he sees is that credit cards tempt people to do/buy things that they shouldn’t and couldn’t if they had to pay cash for it.
I agree credit cards are a tool if used properly. But most of the people that try to follow Dave have not used them responsibly. I am one.
In my 20’s I had more than enough money to cover my bills and credit cards. I deployed a lot and didn’t pay my credit cards on time and in short order got in over my head. No one’s fault but George W. Bush’s, just kidding. It was all my fault and I am still trying to get it back on track, again after a recent divorce.
I use secured credit cards now to do the things like buy gas for my car.
Truly, I can see how people get into trouble.