As I understand, you don't have a choice, if you travel, you have to use the Government Credit Card.
That's asking for abuse. As noted the worst abusers were enlisted, they may not even have their own credit cards. I've known enlisted (and some officers) on payday to go out and blow it all, then wait for the next payday to do it again. With the credit card, every day is payday
As the old saying goes, You Reap What you Sow Looks like the Navy (and other services) will need to conduct credit card training. Something else to get in the way real training.
I've heard it said the Michael Jordan has more money than he can spend. He should send a big fat check to your average 21-year-old. They'll show you how to spend it.