Some people don’t want a credit card
That's OK but then why don't they just get a bank debit card?
The people I have met who dont want a credit card cite having kids who always want more stuff as a reason, not being able to say no.
Or maybe its a wife.
Credit cards can be a really good deal, I love mine, I just bought a NEW washing machine today for ~$800 on my Chase. It is a great helper.