Well check your skirts because your privilege is showing. There are LOTS of people who can’t get credit cards including most folks under 18. Did you have a credit card as a 12 year old? People who have had a bankruptcy or foreclosure can’t get credit cards. Shall I go on?
Anyone with the money can get a prepaid Visa, MasterCard, etc. at virtually any grocery store. Though technically “gift” cards you make a purchase the same as with a credit card. They even say, right on the card, “Cashier, run as credit card.”