What you will find is that, typically, people start with a debit card because they're actually not creditworthy. Over time, after they build up their creditworthiness, then they will apply for credit cards because, as you note, sir, you're right, they have access to loyalty and they can get additional rewards, get additional points. That's when they tend to upgrade to a credit card.
On February 25th, 2014. See this statement in context.