Haven't for decades. I get what I really want and need; rarely pay in the high price bracket.

And it doesn't bother me at all that I either spent cash or payed off the credit within a month on all recreation items.

I'm ready this year for fishing, firearms range, archery practice, archery hunting, and gun hunting. The equipment is ready and all paid off with no present debt.

And it doesn't bother me, at all, if 9 thing out of 10 on this site doesn't apply. People can lead their own life.