There are plenty of us that have "been there and done that". For DH and I it started in college (Cool! A credit card!) Luckily, my husband had me to put us on a plan; but then babies and unexpected hospital bills came along. Sometimes life happens before you can plan for it. For us, the credit cards were the cushion that we needed to get us throught difficult cash-strapped times.
AMEN!!!
For some, it's not a matter of lacking financial discipline, it's a matter of addressing life's issues as best you can.
For those who don't need to concern themselves with such issues, good for you, I'm happy for you, I've been there too!
R3