Personally I have almost no debt, just my car payment.
We opted out the debt economy years ago. We froze our credit reports and paid cash for our last house, car and motorcycle. We could have some dinky medical bill or something that slipped through the cracks in collections and not even know it. We might not even find out about it until we update our address when the credit freezes expire and we need to renew them.
You don't need credit cards, car loans, or mortgages. We're living proof. We fly, stay at hotels, rent cars all the things people think they need credit to do. We don't pay more for car insurance, though we do have the occasional utility deposit.
Nothing you can buy with credit feels as good as opting out of the debt economy.