I mean responsible card owners pay their statement in full every month. It’s a great way to get purchase protection and cash back or reward miles. This is more like splitting payments over multiple months, and if you do that with a credit card APR you’re getting a terrible bargain.
It depends on how you define “the USA”. If you mean the people of this country, then absolutely they are working against us. If you mean the people with loads and loads of money, then no, they are working as hard as they fucking can for them.