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Ok, that is a fair argument. I will look into it. Thank you.
Another case for getting a credit card is the rewards and protection. I always pay on time and never have to pay interest, so I only gain from cashback rewards and don’t lose anything by using a credit card. Banks are also very strict with fraud (it’s their money you spend before paying it off after all), and they will side with you if your card gets used to pay for something you did not authorize. Lastly, it’s becoming a hassle to pay cash nowadays with most establishments going cashless.
As long as you always pay it off on time, there aren’t much downsides to maintaining a credit card, regardless if you care about your credit score/rating or not.
You can also put a freeze on your credit via the big three credit agencies. That would prevent someone from opening ip a credit card or taking out a loan in your name.