Why we should not use the credit card?

Credit cards and loans are a heavy burden on human society. This is modern exploitation where the banking system is openly exploiting their customers. Interest is already an exploration and high interest is highly exploited. Bank and people are taking a high interest and misusing the interest system to put more burden on the person who is already the burden and doesn't have money to do the things. Hence we should avoid using CC and Loans until you need this high priority. Following are some reasons to avoid using interest-based money and banking.

1. Does Not Teach Self-Control: A person who uses a credit card to fulfill his needs doesn't have self-control on himself/herself. To live a better and peaceful life it is always recommended to spend less. Our expenses should always lower than our income. 
2. Means You Don't Have a Budget: A person doesn't have the budget to fulfill his/her dream and need. So if you are fulfilling your need with the credit money then your future could be at risk.
3. Expensive rate of Interest: We have to pay a huge rate of interest on the money which we borrow from the lander, that way we are putting ourselves in more trouble instead of fixing problems. Although it will fix your current issues and makes you happy for a while, but after some time it might start hurting you.
4. Rates Rise with Unpaid Balances
5. Bad Habits Risk Relationships
6. Can Lead to Bankruptcy
7. Financing Leads to More Spending
8. Lose of Peace of Mind
9. You Think You May Overspend
10. You do not Have Enough Income to Pay the Balance
11. You are Not Financially Disciplined
12. Need not to Pay Interest on Your Purchases