So, in the strange little world you inhabit, only fabulously wealthy people eschew credit cards and don't spend their life worrying about their credit score? What a terrible place that must be.
And what kind of crap-ass site would ban someone for the three (out of five) comments I've made today which have been downvoted?
Your credit report is pulled when you move and open new utility accounts, when you apply for cell phone service, by your landlord before renting you a home, in some types of background checks, and many other situations that have nothing to do with being extended a line of credit.
False equivalency, eschewing credit cards is different than not paying them.
If you make enough comments that are bad enough then your account is likely to be banned. If that's your goal then at some point along the way you'll be only three comments in.
(I am not remarking on the quality of your other comments; I have not read them.)
And what kind of crap-ass site would ban someone for the three (out of five) comments I've made today which have been downvoted?
Pretty sure I can spot the actual troll here.