Personally I think getting credit for the sake of it is rather silly though. It offends all sorts of sensibilities I have about credit and financial responsibility.
That’s a personal decision. I was addressing the claim that getting credit, or not having credit history, is a challenge for immigrants to the US. It’s a challenge for young American citizens too. I’m sure it’s a challenge but I think it’s a small one. The biggest challenge for immigrants I’ve seen first-hand is getting fluent in English.