Unfortunately, it's dumb to not use a credit card nowadays. Every business marks up the cost of goods to cover CC fees, so you are just paying extra every time

Unfortunately, it's dumb to not use a credit card nowadays. Every business marks up the cost of goods to cover CC fees, so you are just paying extra every time you pay cash (unless they offer a discount, some do). On the other side, you get benefits and money back for using your credit card. So people are in a situation where they really should use a card for everything. It also makes it easier to get good credit as long as your treat it like cash.