Excellent ! This is the quality content this community needs.
Note on interest: if you use the “cash advance” feature, and withdraw cash with a credit card, interest will accrue from the first day.
On credit cards not being for everyone: I like to see it as a metaphorical Stanford marshmallow experiment. If you belong to the group who would would eat the first marshmallow right away, credit cards are not for you.
Credit cards are objectively better than debit cards if you can play the game right. They have better protection, cash back, etc… But they do have traps, and you have to be the type of person who can avoid those traps. They are designed to make you want to spend more. Examples: no interest for the first 18 months on some, cash back on most, some are even made of metal and shiny which boosts your ego when you pay at the cash register.
Also this most is mostly relevant for the US, probably Canada and a few other countries. Rules might differ elsewhere.