I think it all boils down to who is right? All the broke people who use and advocate the use of credit cards or credit as a tool; or God when he inspired Solomon to write those words and obviously has a disdain for debt?
Ah, but if you pay off your credit cards in full each month do you have debt...no...the credit card bill would go in the "accounts payable" column. It no more debt than when my exterminator sprays my yard, and since I'm not home at the time, I do owe him the money, but he sends me a bill and I pay it. I am not in debt to that exterminator just because I didn't pay it till the bill came due. Same with CC's...don't carry a balance, pay your bill in full on time...that's not debt.
I look at using the rewards points and free interest more as being a good steward of money...making money work for you...if you want a Biblical example, you could liken it to the parable of the talents, I wouldn't want to bury mine in the ground just to stay on the safe side.
What you miss in all of this is that the federal reserve sits on a banking system where 90 some percent of money in circulation is not cash, but debt instruments. You need to save your opporbrium for the folks who created this system, and not its victims who are both the buyers and sellers of goods in the marketplace.