CC companies also target young people - 18 years old and in college, with no job or income and no credit history? Here's a credit card with a $1000 limit! Also, did we tell you that you can use it like an ATM card and get cash? (at a higher rate?)
Also, the United States as a country is very debt ridden and always borrowing more(from China no less).
There are no incentives for bank savings - low interest rates which you get taxed on to boot. However, this is no excuse for outrageous credit card balances.
There's something in Proverbs about the debtor being a slave to the lender. Appropriate.