If you can't pay what you owe on a credit card there are alternatives - prepaid cards or debit credit cards - if you don't have the money you can't use them so it forces you to be a little more honest in your purchases.
Just sayin' you don't NEED credit; as avro22 stated - you choose to have credit but you have to be disciplined in its use.
I don’t have a problem paying my credit cards.

. They changed the grace period length on me on a month when their web sites and notification system were down. And i payed the bill the same day my due date has been For the past 2 years.
Ive payed my balance in full every single other month ive owned this credit card.
They had a major update on their web site that one time I was late 2 days pass on my payment
I am a paperless account. (You know because i try to be good to the environment, not just talke about it) actions speak louder than words
The issue is that Capital One screwed up and they don’t want to take responsibility.