[harryh]

Yes, some of those things (not the hotel room though, a debit card will do just fine for that) become more complicated without a credit card. But that is because you are, essentially, asking someone to loan you money. As soon as you start doing that it's reasonable for them to want to participate in a system that helps them understand how risky you are.

Plus, all that being said, you can still do all those things without a credit card. It'll just be somewhat more complicated.