No - not all by themselves. Paypal can be used just as easily...along with many other ways to over-spend.
Here is my point - it's like *guns don't kill people, PEOPLE kill people*.
Theory is the same.
People NEED to learn financial responsibility or the having or not having of a credit card is NOT going to stop them from over extending themselves financially.
It's like gambling. Can you walk away with having spent just 20$...?
Guess I agree with Shaz :-}