Isn't it a pain stuffing all those gold coins when paying your mortgage, utility bills, taxes, etc,?
I don't use credit cards either. My debit card suffices, and aside from that I have checks and cash.
Got no mortgage -- bought my fsbo house with cash. "Neither a borrower nor a lender be."
All of my property (a considerable amount) is paid off. No mortgages.
And there are other ways to pay bills than gold. I have an account I keep a small amount of money in to debit for utilities and groceries and I write checks for taxes. No credit. Frankly it is against my faith. Romans 13:8