How dare I choose to not get into credit card debt!

Having/using a credit card needn't cause you to pay a cent more than not using one.

If you just put on a credit card what you'd be buying in another way anyway, and then pay off your statement balance each month on your due date, not only do you not spend a single cent more (you'll never get charged interest this way), but you continuously build credit. The only difference will be that instead of paying for stuff the moment you buy it, you pay for all of your month's purchases all at once, at a later date.

I've never paid a cent of interest on any of my credit cards because I've done the above, and my credit score is over 800 as a result, today.