I wish i could afford to do what you are doing, but I can't survive in 2022 USA and support my family without access to credit. It is maybe possible, but it is wildly impractical. And the ability to borrow helps to smooth out the turbulence of life (unexpected emergencies or broken things). When I was in my 20s my credit was so bad I couldn't get loans and when life threw a curveball, it could take a ton of energy to sort out how I was going to deal with it. Now I just dip into the credit that I have available to deal with the situation.

But I hate it. It feels insane to me that we as citizens don't have more regulatory control over credit systems. I envy you, but I also know that what you are doing is not practical for me.

I mean, you do you, but you're really only hurting yourself here. You're literally throwing away money to stick it to "the system" which doesn't care.