I agree, but why no credit cards? Just keep them on autopay and get free points right?
This is what I do. I did reach a point in my life though where I could manage this.
Sounds like a good plan. They should add that to the bottom of the bill "Pay with <credit card co> and get a free ticket to Fresno!".
I’m not sure I agree with what you’ve described as a “simpler life”.
I'm lucky and rich. And by your statement I must assume you are too. Not all people are as lucky as us! Some don't have that cash...
What about when I need to get a heart valve replaced and my insurance covers 20% of it?
Early death == simpler life. Old age really complicates things.
You joke, and the OP is possibly joking as well, but this is a reality for a lot of people... Their poverty freezes them out of the credit system, they lack health insurance, etc.
Poverty in the US has gotten so bad in some places that it rivals the worst of Africa[0][1].