You know, they say that guns don't kill people, people kill people. There is a lot of truth in that. I mean, a gun is a tool. Used responsibly it protects, used irresponsibly it murders. The gun does not determine the outcome, the operator does.
Now, credit cards may not be a matter of life and death, but they are also a tool. If you use them responsibly, wisely and well then they are an enormously valuable tool. If you misuse them though, you are in for a great deal of misery. I have been on both sides of this argument at one time or another in my life.
Cash Advance Loans are another tool. If you misuse them you are going to get yourself into a lot of trouble. If, on the other hand, you use them responsibly, they can be a great help in a time of need. Like all the rest, they are just a tool.
To learn more about usuing them wisely and well, check out the link above.