>> They cut up their cards and are going debt free.
“Cash Only” is NOT synonomous with “debt free”.
You can live debt free and still use credit cards. Just pay them off every month.
For me, giving up the convenience of CC would be insane. But then I have the discipline not to buy more than I can pay for each month. YMMV
Ditto that, I got out from 10 years of CC debt recently, but there are still a couple of (small) purchases I make over the internet. It’s no big deal to have limited CC use.