"No one forces us (yet) to own credit cards, or, in fact, to buy anything on credit. I know of people who live complete debt-free lives (including not having a mortgage), but such a life requires sacrifice and a willingness to live without a lot luxuries and extras.
We will always have to pay taxes, and the taxes in the Socialist countries of Europe are far higher than ours.
In the aggregate we ARE forced to buy credit cards and buy on credit. One person succeeds at the expense of someone else in the system.