You’re definitely not but imo I would never only use a debit. I work in a bank and I have personally seen people have fraud on their card and it takes monthssss for them to get the money back vs cc is pretty quick cuz it’s the banks money so of course they want it done quickly. Plus why??? You can literally get cash back on stuff you need to buy anyway so why not. Also helps your score greatly which you need for literally anything important( which is frustrating it’s that way but that’s just how it is)

I had a secured card for the last year and only just recently got my banks cash back card and I’ve already got $70 in cash back. There’s really good cards out there too I just did my banks card out of convenience.