Some of us aren't married. Anyway, one can certainly get by with just money in the bank and a Visa debit card, but sometimes even that isn't enough. For example, renting a car sometimes requires a credit card. I have some cards, but I keep the balances at zero to the extent possible, although depending on the time of the month, a monthly statement sometimes shows a few charges. Also, having a few credit cards helps with your credit score (the USA has those). For all I know, I'll move back there someday and having an excellent credit score helps a lot. Mortgages, car insurance, and so on.
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