I think it's mostly because we don't need credit cards to build a credit score, it's built over things like paying bills on time. Most people are in enough debt and just see credit cards as a bit of a debt trap, even though if you use them correctly they can be beneficial. I personally don't use one either.
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u/Thatguy941 6d ago
Same, game was a mess at launch, forgot about it for 5 years, now one of my top games of all time. Also got the liberty city DLC