I have an amusing personal story about credit.
Wanting to build up my credit history, I got my first credit card at 18--a Bloomingdales card with a $100 max limit. I bought $80 worth of bedding that day, and went on my merry way.
A month later, the bill didn't come. I was at university so I was too busy to think about it, and it simply slipped my mind. Five months later, I finally remembered that the bill had never come. I contacted Bloomingdales and was told that the debt was in collections. It turned out that the clerk at the store had written my address down wrong.
My credit was ruined, and I have had bad credit ever since (due to other things, of course). Yet, somehow, I've lived through my 20s and had a productive, eventful, and enjoyable life without credit. This year I got a mortgage from my credit union despite the bad credit.
So, I learned the lesson a bit unconventionally, but still it has stuck: credit has its uses, but there's a lot more to life than having credit. Just like there's a lot more to life than being a consumer. I don't think about my FICO score much anymore, focusing instead on accumulating capital.