As we have seen in the case of insurance contracts some people tend to prove that credit card usage is also a necessity. Ironically, Muslims can avoid other haram things such as swine, alcohol, gambling easily but when it comes to credit cards usage (which entail riba and is haram as well) they pretend as though it is indispensable. This shows the double standards of such people.
The capitalist system, which has given rise to the concept of interest, is a continuation of social Darwinism, a theory which propagates the survival of the fittest capitalist. The criticism of the theory of Darwinism is beyond the scope of this post. It would be enough to hint that Darwinism is the disgusting ideology which has brought about the Holocaust (World War 11) in which 6 million people were killed and the Rwanda genocide in which 800,000 people were killed, within a span of 100 days and many more throughout the world.
The ‘survival of the fittest theory’ of Charles Darwin has caused insufferable loss to humanity, directly or indirectly. It has lead to racism and supremacism, which is a belief that a certain race, species, ethnic group, class or culture is superior to others. This has lead to ethnic clashes, heartrending massacre and eugenics, which is a belief that the quality of human race can be improved by forcibly sterilizing people with defects, in order to stop them from reproducing.
These concepts and practices are against the tenets of Islam.
So we should realize that the western world indulges in many follies which I have discussed above. Hence, there is no need for a true believer in Islam to surrender before their whims and fancies in this transitory world (for some materialistic gains) and spoil one’s Aakhrah.