Those are some fair points. I'm not entirely sold on the credit card infrastructure though. It seems more and more places are passing those fees on to the consumer. Perhaps that is where the government should be focusing their attention if they want to regulate something!
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If people want the convenience of a card, let them pay the fees. I prefer to pay cash or debit.
I've never cared for Debit. It feels like you are basically giving them the keys to the kingdom.
I prefer to pay for stuff with money I already have and avoid the credit cycle.
This is how I completely live my life these days. I have a single credit card with an absurd, like could buy several cars with it, limit on it. Every year or so I will contact the card-issuer just to let them know that I am still alive. I only keep the card in case of something dire happening which because of my frugality and general financial sensibility, hasn't happened yet.