Share your insights or perspective on the financial matter presented in the input.

Do I even need credit cards?
Credit cards are great. You get free money for 30+ days and a bunch of additional benefits like insurance, extended warranties and reward programs. When vendors don't behave, you dispute the charge with the credit card and they deal with it on your behalf. Just get a fee-free American Express card and pay the balance off each month.  There's nothing wrong with using cash either, but I would avoid debit cards like the plague.