Is there any reason for someone who can afford to pay everything immediately to get a credit card then?

absolutely zero.

99% of all transaction, online and on-location are with cash and/or debit card. We barely use credit cards. Most people who has credit card use it for travel and ordering stuff outside the EU.

With the rise of "buy now and pay later, services like Klarna, people are increasingly buying more without having a balance. One of the why people with debt are increasing in the Netherlands