

I’ve used credit cards for (oh gosh i’m old) many years and never carried a balance nor paid a fee. I could probably optimize harder (eg: finding cards with higher rewards), but that would probably be more effort than it’s worth.
But as others have said, that’s not always easy. I knew a guy years ago who just maxed out his cards and then to his surprise he got in a lot of trouble. I don’t really know what he expected to happen. We lost touch but last I heard he’d finally managed to turn his life around, but it was a lot.
Sure, but every time someone’s like “I’m going to do a game of secret modern day vampires doing political intrigue in DND” I’m going to judge them.