Is there a market for somebody selling a credit card that helps people pay down their balances? I think the question is yes. But it would have to be sold by a bank that's really willing to invest in being a trusted partner with its consumers, because they will make less money on each consumer.
It's more work to create poverty, disease and disharmony than it is to create health, harmony and abundance, because perfect health, harmony and abundance are the natural order of things.