Paul, I have no argument with your post.
You are 100% correct.
The point that I was trying to make was that if you had a $2000 debt to pay down on a revolving credit account the monthly impact on one's finances should be an absolute minimum.

The high interest rate you have to pay is a lesson of getting yourself in the poisition to start with.

While things might be rough during the short term and you might have to pay that rate, it certainly is not an indication that the sky is falling.