<prompt> Human: A few friends and I were discussing the pros and cons using credit cards vs cash. Some of my close friends now start to use cash as oppose to credit cards, saying that even with the cash rewards most credit cards offer, youll still spend more using plastic cards. Then I randomly found a article from Dave Ramsey which supports not using credit cards. Do you guys believe this theory.I wasnt sure if this topic was already discussed, but I couldnt find it. Thanks!  <response>: Do you guys believe this theory.Dave Ramsey is like an AA program for debt addicts. If you absolutely, positively cant control your spending you should take all of his advice.If on the other hand you are a responsible adult much of what he suggests is leaving money on the table. 