You don’t get it, this isn’t about how rich you are or how much you earn. This is about understanding the benefits of credit cards and the legal protections they have. Fraud protections, and finally, and lastly, financial benefits.
I know you understand all that but too stubborn to accept it.
Being rich and having a credit card is not mutally exclusive. You can have both, in fact, even better to have a credit card when you are rich. You get crap tons of perks with the top tier cards. Yes you can afford it, but who doesn’t like free room upgrades, free lounge access, free food, free car hire upgrade?
You apparently.