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There is also the mentality of "one in the hand, two in the bush".
Credit isn't necessarily evil. I use it all the time for great benefits/rewards points. Cabelas has a great incentive programs for this. You just have to be more responsible with your money and realize what you're doing when you swipe that card instead of reaching for dollar bills.
If you have 20000$ in the bank, and want to purchase something that costs 20000$, is it better to buy it and be broke until more money comes in, or to buy it at 0% interest over 36 months? Using all available liquid assets at once or to spread it out more evenly?
The choice should be obvious there.
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