I'll just address the underlying sentiment that credit card debt is just fine and totally normal.
It's really a question of poverty vs convenience. If I use my credit card because it is convenient and I can pay off my bills, great. No problem. But if I am so poor that I have no choice but to put everything on a credit card, then every purchase is 10%, 20%, or even 30% more expensive - heck, it might be 3000% more expensive because there are many people who are making minimal payments just to get by every month.
So, no, you silly analogy about your grandparents is not what we are talking about here. We are talking about people right now, today, who are living paycheck to paycheck, not sure how they are going to pay for food and for the medical care they need, and making really hard choices. And your mockery is inappropriate.