My Hondas are twenty years old. I do my own maintenance. I purchase inexpensive clothing infrequently and then wear it as long as I can. I cannot tell you the last time that I took a vacation, I just spend time with my family.
I can get points or whatever by using a credit card. The millennials on YouTube that I watch always say to never use debit, always credit. If someone steals your debit card number your money is tied up until it gets sorted out, but if they steal your credit card number, it is the bank's money.
I would rather just use my debit card than need to remember to make my payment.
Someone stole my checkbook and the bank said to just monitor my account. When something happened I let them know immediately and they arrested a woman. I do not have any idea what happened with the case, but they took care of my account. I have almost never had much money in my account, but it was only a minor inconvenience.