I use credit cards to pay for almost everything (racking up those air miles and GM dollars ), but I rarely carry a balance. I know lots of people who spend exclusively via credit, and pay off what they spent with cash. Debt sucks, stay away from credit cards if you can't be responsible with them!
Credit cards don't cause financial problems -- certain people USING credit cards who do not have the presence of mind to watch their spending habits cause financial problems for themselves. And Cartman, I don't know what ATM's you withdraw money from but around here, they tell you when you do not have sufficient funds if you attempt a withdrawal and do not have enough money.