> If my [...]
> I don't need a credit card.
All those statements are true as far as they go. And sure, you don't need a credit card. (There are some scenarios such as some car rentals, that are going to be difficult with a debit card, but if you don't need those things then you don't.)
> It's a false vision that I'm missing out on anything.
This, however, is not true. You are certainly missing on a number of benefits. Obviously it's a choice to make, but it is not true to state you're not missing on anything.
* Credit cards give you back some of the fees that you're going to pay regardless, so you're losing money by not getting the cash back from a credit card.
* Unused credit limit increases your credit score. If you don't have credit cards your credit score is lower than it could be, which means you lose out on better rates and deals.
* The credit card regulations are more pro-consumer than debit card regulations, so if you ever experience fraud this may become relevant to you. In tech terms, a debit card is an open port to your bank account, a credit card is a firewall between your bank account and charges.
Those are the big ones. There's other smaller but real benefits to some credit cards like extended warranties and misc perks. I wouldn't have a credit card just for these but occasionally they help.
> Credit cards are only fine if you can pay off the full amount at each month.
Sure, exactly the same way how debit cards are only fine if you spend less than you make each month.
> If your lose your job and you have no buffer, your screwed.
If you lose your job and your account balance goes to zero, how are you paying anything with a debit card? You're not. Exactly equally screwed.