The credit card interest rates only affect those who buy stuff they cannot afford to begin with, aka “irresponsible” (left speak: “underprivileged”).
Next thing you know the interest rates for people below a certain taxable income will be set to zero.
Kind of like what I understand they did in Houston recently for people who were sent to jail because they couldn’t afford to pay their bond. Understand the Democrat DA is planning to release them to the community. Appears that at least in Houston robbing someone does pay and just because you do the crime, you don’t have to do the time.
But I live in the country on a cattle farm quite a ways from the nearest city for shopping. So I buy most of what I need online, rather than drive all the way to town and shop all day and never finding what I'm looking for.
So I use my only credit card to pay for things online, usually through PayPal.
But, your right, the interest rate doesn't bother me, because I pay it off every month.
I just use the credit card for convenience and security when shopping online. Not for buying things I can't afford.