This is a question easiest answered by saying in my opinion. THE WORLD REVOLVES AROUND CREDIT. How you evolve in this world is your choice. AND
Credit is an identity in this world. Without some sort of referrence we do not exist.
Credit allows for individuals to improve our standard of living while paying just a bit at a time over a long period of time. OK it comes down to needs vs wants. We all need certain comforts known as Creature Comforts. Food, Shelter and Clothing.
We want usually the best of those comforts and credit is the way to get what we want.
Many times a mature individual (senior) will apply for a car loan rather than break up a long time investment and be refused because they have no credit referrence because of paying cash for 50 years. They do not have any debts and therefore do not have any identity.
Note that this is a dwindling population but it is hoped that the the pragmatic and prudent use of money and credit does not die with them. So go out and get a credit card and the identity it creates, but how you use it is up to you.