I didn't have a credit card until I was 22. My income did not support me being able to get one. Even when I did I saved up a bit because I have actual responsibilities over silicon. When I was 25, I could easily buy three in a year if I wanted. During COVID at 30? No. I just got back into a financial position where I can get one or two custom built with cum tubes every week.
People have lives that are not yours. If it involves their personal finances, probably best to keep it to yourself. You do not know their situation.