...you are in the top 5% (or it could be 10%) of the American populace. If you say so, I don't really worry about what other people are doing with their finances.
Your post sounds exactly like Dave and exactly like what I was complaining about: maybe you can't handle responsible use of credit, but don't think that other people can't.
No, go back to what you said. You don’t like Dave’s anti credit card message, because you are one of the FEW that can use credit cards responsibly. The GENERAL rule is that credit cards are not a tool for wealth building. Yes, exceptions exist in the population, but if you are one of the few then why rail on a message that is good for the general population?
I could responsibly use credit cards too, however I don’t need to and I see no benefit of dealing with snakes.