Not having access to credit is really hindering to a modern life. No mortgages, can't rent from a lot of landlords, can't ever borrow money at decent rates if

Not having access to credit is really hindering to a modern life. No mortgages, can't rent from a lot of landlords, can't ever borrow money at decent rates if you need to. Some employers even check your credit. Even if you don't think you will ever want any of those things, you might change your mind in the future.