I 100% disagree. We always find someone else to blame. People blamed banks for the housing crisis. If you have a calculator, you can figure out what you can/cannot afford. People blame casinos when someone loses their house because of a gambling problem. Let's take responsibility for our own actions good and bad.
No one is blaming anyone for money issues. What we are comparing is whether or not it's wiser to put a large purchase on a credit card where you can get rewards (many cards offer them) or just save up the cash. I would never advocate for someone to finance $1000 at 20% for 12 months. That is just insane when there are so many people right here on this forum selling stuff for great deals.