"pay your balance every month & you won't have anything to whine about"
This is an extremely naive position.
That's not the reality of how our economy works. If everyone stopped using credit altogether, the bulk of those that do not use credit would be in for a world of financial hurt.
I don't think pointing out to shareholders that that C is either making a bad business decision or a last ditch attempt to raise capital is whining. I don't think pointing out to our Senators & Representatives that C is acting in ways counter to their TARP pledges is whining.
Kudos to you for paying off your credit card balance, & kudos to you if more economic hurt at the macro level doesn't touch you, but I think you need to take a slightly broader view of the world.