<prompt> Human: I am someone who has always believed in never taking out loans unless absolutely necessary. While I am a man of questionable morals in some places such as involving taxes, I have always held firm that if I ever had to borrow money from somebody, that money WILL be paid back somehow.Credit cards are a problem for me because it typically implies borrowing money every month, money that I dont need to borrow, and then paying it off. Its stupid because even if you dont fall into one of the many traps outlined in the fine print within the fine print, youre still unnecessarily borrowing money and paying it back when you could have just paid for shit outright.The next issue is credit. Maybe I was told wrong about this, but as I am aware, you cannot buy expensive things such as a car or house without credit even if you have 100 of the money available to pay for said item.My question is, is there a way to avoid having to fall for the bullshit known as the credit system? That is, is there a way to purchase a car and house assuming I can pay it in full on the spot that doesnt require me to have a credit card.EDIT: I am relieved that I can pursue my original intentions of avoiding credit cards scams. I am glad that people had previously told me wrong information about the importance of credit.  <response>: youre still unnecessarily borrowing money and paying it back when you could have just paid for shit outright.Even if your interpretation of credit is right - and its not, but if it was - so what? Credit is a tool, just like a circular saw. And like a circular saw, it can be used properly - to cut wood; it can also be abused - to cut people. Credit cards are not scams. You are not promised something that you do not receive. Credit cards work the way they are advertised. The credit system upon which the entire global financial system is based is not inherently evil or fucked up. Its a well established economic principle to provide for increased growth than would otherwise be possible by simply slapping down cash on a barrel head. The other option is to close the doors for everything from homes to cars, to small business for everyone but the extremely wealthy. You are lacking in education around how and why the credit system exists. You assume a priori that anyone using credit is buying something they cannot afford. Thats false. You are beholden to your preconceived notions, and those notions are, by and large, wrong. 