[ghaff]

Basically, you're less protected against purchases gone wrong with a debit card or against fraud. A fair number of (mostly higher income) folks also get other benefits from credit cards--though that may not be relevant here.

However, a debit card usually covers the floor of needing a card of some sort to pay for a lot of things.

[jrmg]

This is hardly ‘basically forced to have a credit card’.

[ghaff]

I suspect a lot of people in the US use credit card generally to mean card of some sort because credit cards are so common. You do mostly need a card of some sort (and a smartphone) for many purposes but it mostly doesn't need to be a literal credit card so long as you have enough money in the bank.

[oblio]

How do you get a credit score?

[pmg101]

Pay your mortgage on time every month for a few decades?

[oblio]

How do you get good rates for a mortgage, without a credit score?

How do you even get a mortgage without a credit score?