I'm not sure what you mean. You also need to look at the whole environment and other factors than just "People just didn't feel they wanted to use it". In 1961, India was extremely poor and it has been until the 90s. Credit cards at that time did not solve any problem, people had no use for them and the culture of using it never grew as it did in the US but UPI gained acceptance because the country was doing much better and it was easy to use. That's what we were discussing.
You seem to either not have an understanding of ground reality (if your father was using Diners Club in the 60s, he was in the elite). But the system "being" there vrs the environment of the system actually being useful are different things. People did not reject credit cards at that time due to idealogical reasons, they rejected it because there was no point for them.
By the time, we stepped up in commerce, digital payments like UPI were easily available. This is why most people say we skipped the credit card phase and went straight to digital payments. Nobody is saying India did not have credit cards but look at adoption rates and the economic reality of India in the 60s to 90s and you will see many factors that prevented this that are not realated to the technolgy or idealogy at all.
You seem to either not have an understanding of ground reality (if your father was using Diners Club in the 60s, he was in the elite). But the system "being" there vrs the environment of the system actually being useful are different things. People did not reject credit cards at that time due to idealogical reasons, they rejected it because there was no point for them.
By the time, we stepped up in commerce, digital payments like UPI were easily available. This is why most people say we skipped the credit card phase and went straight to digital payments. Nobody is saying India did not have credit cards but look at adoption rates and the economic reality of India in the 60s to 90s and you will see many factors that prevented this that are not realated to the technolgy or idealogy at all.