You couldn't be more wrong. Whole life can be a great product if used correctly and at the right time.
Unfortunately people in terrible positions for it get sold on terrible products (universal life I'm looking at you) way too much. I would say probably 90% of the permanent market out there is garbage. That is the stuffDave Ramsey talks about for the most part.
Both term and Permanent can be the right choice, just depends on the individual situation. Unfortunately, Dave Ramsey can't focus on individuals, he needs to appeal to the masses, and that is why he is so opposed to it. His audience is mostly made up of peoe deep in debt who need to manage costs as much as possible.