Mine isn't and hasn't been since I did the math on the interest a couple of decades ago. But I have a number of friends who are quite open about being $20K or more in credit card debt. These are also people with student loan debt. They do not expect to be out of debt ever in their lives. And it doesn't bother them!
How does anyone do anything but pay the interest on that kind of debt?
They are renting their lifestyle. I couldn’t sleep at night.