Maybe I wasn't clear.
The "usurers" are going to take it out of my hide, not the hides of the idiots who can't make it through five paragraphs of documentation without their lips cramping up, or who think a line of credit is by definition infinite.
I kind of like my credit card mileage, the lack of annual fees (except Amex), the bonus points I can trade in every few months for real cash off my balance, and a number of other goodies I've accumulated by virtue of many years of a decent credit rating.