If you are purchasing an apple device, the apple card gives a competitive cash back reward. Many people use credit cards while always paying the balance in full and use them for rewards (you could argue that these rewards are priced into the cost of goods so not getting them is leaving money on the table).

I think it's reasonable to believe that this system as a whole is exploitive and unfair, those with poor credit pay more to fund cash back for others and the high interest rates leading to circles of debt, but given this is the way it is, I think its a perfectly good idea for someone to have an Apple Card depending on their circumstances.

The people who want to borrow thousands of dollars for free.

I don't think that's possible with any line of credit. Our entire society is built off of interest rates.

There's plenty of zero-percent consumer credit lines. Interest rates are certainly not the only way to make money by lending money, particularly if you have something to sell.

In this instance: https://www.apple.com/apple-card/monthly-installments/

Buying a Mac on credit is considerably cheaper than buying with cash. 12 months of the time-value of money + you get 3% cash back.

No interest if you pay off the balance of the card every month. Tons of people do it.

Sure, tons of people don't, too. That's why creditors exist. When you use a credit card you're funding the impoverishment of others.

Granted, there's not much way to avoid that in american society.

The apple card actually gives you 0% on apple products