[BobaFloutist]

You can pretty trivially set credit cards to auto-pay and use them as debit cards, with the only difference being a delay in any overdraft penalty.

Sure, if you overspend you get heavily penalized, and that's not great, but you don't have to spend a dime of interest to build a respectable credit score.

[one-note]

Again, you’re being forced into playing the Visa/MC game.

[BobaFloutist]

There are other ways to build credit, credit cards are just the easiest and most convenient.