It’s because they feel confident they’ll have more money next month or in the near future.

I don’t know about you, but it feels very psychologically different when I use my debit card vs. my credit card. When I’m running my credit card hot and paying it off every month, that usually means things are good. There is a huge gulf between that and using your credit card to pay essential debts while you accrue more credit card debt you can’t pay off. Does that make sense?