Important to note that 80% of those are what the study calls "charge cards", which is 'credit cards' that resolve against an associated debit account. Not sure if those even allow overdrawing it. And 82% prefer paying with a debit card rather than credit if given the option, which indicates to me that this is a mere reaction to the online prevalence of credit cards which will go down as stores offer more non-credit card options. (As we can see by the slight reduction in '21.)

In other words, I believe this prevalence represents a desire to be able to interface with websites, rather than a desire for credit. People largely don't own a "credit card" so much as a "debit-VISA adapter."