What? That seems totally backwards. Don't spend money you don't have, which mean using debit. Credit is useful for the single use case of buying a house.
You’re leaving money and protection on the table by not using them.
A bank is a lot smarter than me. It wouldn't want me to use credit cards if it were in my advantage.
The bank wants you to use credit because they get paid by the merchant every time you do.
But if you're doing this every month then the advantage is what? ~$3k invested somewhere? It's not worth the extra effort for me.
You need to eat.
You're shipping a ton of personal baggage under "personal autonomy".
Why even take part in economic transactions at that point. If your definition of autonomy is that extreme, the concept that someone might have something you want but don't have must be a alien concept
That's why I would rather spend my own money when someone is willing to lend it to me for free.
I haven't paid a cent in interest on a credit card since I was in my early 20s. Thanks to credit card points/miles, I've flown all over the world (often in business class), enjoyed stays at hotels, had access to airport lounge access, received various upgrades on hotel accommodations, car rentals, etc. -- all for next to nothing.
Credit cards are an excellent tool if you are willing and able to use them properly.
Using credit in this sense means using a credit card, not necessarily running up a debt in anything other than a nominal sense. Using a credit card and paying off your balance in full every month (so that no fees are assessed) is way better for later loanworthiness and similar credit-based evaluations than using a debit card.
If you can exercise self-control with spending, you can use a credit card for almost everything. I think Dave Ramsey advises you're less likely to spend money if you use real cash, but for some people, this is not an issue at all.