I use cash or check to pay my debts in person, or a debit card where they refuse cash.

Got rid of all credit cards three years ago at the start of the plandemic. Paid off every debt I had then from my emergency fund and still have some left over for emergencies. Land, home, vehicles have been paid off for over a decade.

I am self sufficient as well as the property. Grow my own food, including meat, dairy, fruits, grains, etc., etc.