Always.I tried that 25-30 years ago because I was pinched for time. Within a few years, it was spalling pretty bad. I even threw in extra portland cement for good measure.
It will pay off in the end to use correct materials.
Vertical rebar.I was going to use the concrete mix to fill the cells in a block wall. The mix doesn’t need to be very strong for that job. It’s basically helping tie the blocks together. It’s not going to be visible so I don’t care how it looks. The main reason I’m debating trying it is my skid steer mixer can scoop out of a pile to load it but if I got the correct gravel and sand in a trailer I would have to shovel it in the mixer. Sand is also $40 a scoop at the landscaping yard so much more expensive than the crusher run.
Vertical rebar.