Debt culture: Should credit cards have warning labels?

Credit cards are in our daily routine and day by day they increase their role in our life.

Use of credit cards form part of our daily routine and day by day they play an increasingly important role in our life. (a routine is a sequence of actions so a credit card can't be in the routine but the use of them can)

In the last ten years we saw have seen the effects of over too much debt in both family, enterprise and country finances.
Most of people that pay by credit card don't really feel as they are actually spending had spent their own money, so they keep spending money that they had have not earned yet. (I'm still not sure this sentence  conveys precisely what you meant to say.)
I mean don't think credit cards are not evil and I'm not against them but nobody has is taught how to use them and how they work.
When we subscribe to a new credit card they give us the terms and conditions but how many of us read all of that? How many really understand the implications what's on that?
I think that the same way schools teach real life subject, like sex education, they have to teach credit card use, dos and don'ts.

I think that schools should teach people how to use credit cards in the same way they educate us on other real-life subjects like sex education.

How many people use credit cards with fixed monthly payments taking no care about paying no attention to how high are their total debt is? Knowing how to take care about your debt manage your finances would help you determine when it would be better getting a personal loan with a lower APR.
I think that should would also be helpful for families if credit card companies were duty bound to write pros and cons of their products in large print at same size and page but the main problem is the lack of education about them.
It should be a sort of "credit licence" a so odd idea?

Maybe we should all have to earn a "credit licence" to use one or is that a ridiculous idea?

I think your idea of needing to qualify for a credit licence is a great idea. I wonder if it will catch on? 

You've got some pretty ambitious sentences there Daniele. I wonder if the sentence complexity is worth it. It might help if you wrote simpler and shorter sentences that more precisely convey your meaning and then find ways to link them together. For example: "How many people use credit cards and only pay off the minimum each month? Don't they know they will very quickly end up with large debts?". Of course with some more complex grammar you could combine the two sentences into one but it is quite tricky to do correctly.

Similarly: "If they knew how to manage their finances properly, they wouldn't do this. They would take out a loan with a much lower APR."