Well, you can't go fully off-the-grid but it makes things a little easier if you're monitoring:

* Lack of history makes successful applications less likely

* Lack of history makes fraud stand out, any activity is fraud

* Since fraud has been identity theft, meaning I have to bitch-and-moan, lack of utilization of credit lends to a stronger story which can help convince folks whereas a serial debtor makes for a less sympathetic and less convincing victim.

Additionally, you have less risk of compromise:

* That website can't leak my CC details

* That skimmer can't capture my CC details

* That waiter[0] can't clone my card

I went full-cash, even paying for a utilities-included apartment. It also seems to cause me to keep a bit better track of my spending. Easier to overspend when your balance is a number in the cloud somewhere.

[0] - Depends on country, e.g. the US frequently has waitstaff take your card to a terminal