It is not outdated at all. On the contrary, you have good financial habits. I can tell you that many really rich people do not use credit cards. Some rich people even like to use cash to buy things. Cars are carried with bags. Even if some rich people use cards, it is to enjoy some black card benefits. There are absolutely no rich people who want to manage large amounts of money as advertised, so they pay in installments. In addition, really rich people do not buy insurance for insurance, but for insurance. It's to avoid taxes.

No, you don’t need these things when you have money. If others let you use them, the more you use them, the more you spend. You have to pay them back on time. If you don’t have them, spend less.