Credit cards are a short-term loan which doesn't require approval for every stupid minutiae. Ever signed a loan? Takes a bit of setup. Imagine doing that while paying for fast food. Pain in the ass. Take it for what it was meant to be: a loan system. Saying "credit cards exist is a problem" is like saying the concept of loaning money is bad, which I will handily point you to for-profit startups and non-profits that all either make or use loans to bring about positive change.