For myself, I simply dislike the usury present in the debt market for consumers and have decided not to engage with it.

You’re engaged with it whether you like it or not.

Credit cards are a reality of the modern economy. There are costs associated with every credit card transaction and, due to the ubiquity of credit cards, those costs are priced in to nearly every single purchase you make. Because most merchants charge the same price regardless of payment type, this effectively means that your cash purchases are subsidizing my purchases made with a rewards credit card that has its balance paid off each month by a couple of percent.

You can choose to opt out, but that doesn’t mean you’re not playing the game either way.