It works out well for financially smart people. The problem is most people aren’t and fall victim to the quick satisfaction a CC brings.

I used my CC with 0% for 12mo to pay for a $5k truck years ago that no bank would provide lending. I made myself pay off that CC balance (over the monthly minimum) before the rate went back up. Finished the payments with $0 lending fees plus got $500 cash back from card promo. Most would’ve paid the minimum CC payment for the next 10yrs.

They play the odds because the odds are in their favor.