Those that use their credit card and pay it off in full are subsidized by the number of people that spend beyond their means.
That’s both factually wrong, other users already explained it to you, and patently ridiculous. How exactly is someone who uses a card and then pays the bill in full every month subsidized? I don’t think you understand the word subsidized.
So why don't debit cards have the same set of features? Because banks want you to use the type of card that has the most return potential.
This is also wrong.
The Durbin Amendment capped interchange rates on debit cards and debit card rewards programs began disappearing because of it.
You make multiple factually incorrect statements. Whether it’s better to use a credit or debit card is a matter of opinion, your other statements are just wrong.
It’s not free. It costs an interchange fee, just like a debit card. That’s not paid by users of the card. At most it’s “subsidized” by the business, or maybe everyone if those interchange fees are built into the product price, in which case the card user is indirectly paying for it.
Almost like banking regulation isn’t universal, making your claims ambiguous rather than outright wrong. Especially without any supporting evidence to your claims.
Ok, whether you’re convinced doesn’t change the fact your statements are wrong.
Prove it. Many banks (in the US) charge exorbitant overdraft fees that make them billions and f dollars a year.
Explain how one persons inability to manage their finances is the responsibility of someone who manages theirs responsibly? Banks engage in plenty of dubious, and sometimes outright illegal, activities. Blaming them because an individual doesn’t have the common sense to spend more on a credit card than they have is patently ridiculous.
Opinion. Your opinion isn’t in question. The statements you make to support it, without any evidence, are. You seem to think that when you have an opinion any claim you make around that can just be supported by how you feel.
You know what’s just common sense? Understanding that if you have X amount of money, spending X+1 on a credit card is a poor choice because you can’t pay it. That’s personal responsibility and trying to pass that responsibility on to people who are “being played” by not doing that is blame-shifting.