No, I don't.
I only use a pre-paid credit card. I need to load it up in advance.
But neither do I take many lavish vacations or drive a lavish car or live in a lavish home.
People are into status and most people would feel stupid being as frugal as I am.
And after a while, the frugality can grow your money because you are generating interest on it in the bank.
And then later in life, when you have money growing interest, you can afford to be more lavish with your lifestyle.
This is economy 101 which we are not taught. Young people want it all - lavish holidays, fancy cars ... and then the math doesnt add up.