Sure, and companies shouldn't be allowed to issue short-term commercial paper.
Feel free to start up your own bank or thrift and require all your credit customers to pay in full every month [i.e., the AMEX charge card model]. However, for all the folks who can't pay their balance in full every month for a perfectly legitimate reason, it's their choice, and so long as they are abiding by the cardholder agreement, there is nothing wrong with their actions, and their card should not be revoked (unless, of course, they do something stupid...like failing to make timely payments greater than or equal to the required minimum payment).
People like you are why we desperately need a depression!