I pay my credit cards off at the end of each month - I only buy things with credit cards when I have the matching amount in the bank already. Good credit comes not just from on time payments, but from actually using the cards.

But I take your point - and your sarcasm - as written. Many people do have that attitude.

The only time I'd recommend borrowing is if you are buying property and can get a good interest rate and are sure that you can earn more than that with your money through investing or starting a business. If you can borrow money to start a business more cheaply than you can grow that money through the business then definitely go head. They say most millionaires made their fortunes through leverage.