Credit cards/loans why?

with the economy the way it is and your average person just getting by,why would you want to borrow money from a credit card or loan,if you cant save the money to pay for something how do you expect to pay a loan/credit card back ?with interest?come on stop being ripped off by the creditor, i have to have good credit thinking bullshit,,a bunch of loan sharks that are just fuc+++++ over the little guy,