I've never claimed to be an expert, but I don't live in a credit world because I don't owe anyone a dime, I don't use credit cards, and I can still get my hand on an awful lot of money if I ever chose to borrow (which I don't).
No, you're not an expert obviously.
You do live in a credit world, you just don't participate. Your ability to access cash to finance anything and everything puts you in a VERY tiny minority of people on the entire planet. Count yourself very fortunate.
