Financial education is very much needed in this day and age. You have people either 100% FOR or AGAINST credit cards.

I agree with you that actually teaching people how to use credit cards is the best bet. When you turn 18 and start getting flooded with credit card offers right at the age you are going to be making an entry level wage, the urge is very strong to accept a credit card offer or two.

Learning how to use them correctly has great benefits, but they don't outweigh the negative aspect of them if you abuse them and don't pay them off in their entirety.