First, that's a survey (no actual usage data). Secondly, that differs from what consumers with a choice use. Many poor don't have credit cards; many more have impaired credit.

Most Americans are also financially illiterate. For every day purchases (not cash advances), it is always better to use a credit card that offers rewards points... as long as you plan on paying off your full balance every month. It's free money, period.

That's something only the minority of the population does, though.

"...average individual credit card debt stands at $5,331 in 2019. Additionally, on a monthly basis, most Americans don't pay their credit card balance in full every month - 55% don't regularly pay in full."

https://www.thestreet.com/personal-finance/credit-cards/aver...

Forgive me if I don't take a blog quoting "CreditDonkey.com" as its only source very seriously on this.

It’s like the mirror image of gambling. You get a little money constantly and if you are (un)lucky, you lose a lot. I’m not really interested in playing someone’s rigged financial game for chump change.

Not really. Assuming you never over extend yourself by spending more than you have, you never lose anything.