Spending money on don’t have with no financial repercussions is known as the elusive “infinity money hack”. Which clearly does not exist.
Of course there’s going to be a a cost to spending beyond your means.
Yes that is true, and what I said is also true.
Or you could simply not pay on the credit card, and avoid the trap?
Not everyone always has the money not to.
The point is they make a lot of their money from people who don't, paying 20% APR -- the 'whales' in this consumer industry aren't the richest people, unlike retail, gaming, travel, etc.