I've never had any loans or credit cards. Own farm paid cash, own my own business and all equipment paid cash. All farm equipment paid cash. No credit whatsoever. No one could get a dollar of credit in my name. But I still pay all my bills. All cash.
Started learning a trade when I was young. Used that trade to earn what I wanted. Paid cash. Have had to bury 3 sons , 1 divorce on 3rd house. All paid cash. Worked for every penny