a full payoff. Most people do. Where do you think the 10% cash back comes from?
The average household has $15k in credit card debt. They aren't paying that off every month.
http://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/
So yes, as a general rule, credit cards are evil. some people are less vulnerable to the evil of credit cards, doesn't mean they're not evil.
And you have to understand, the people that are using dave ramsey, have no self control with credit cards, just listen to them when they call into his show.