I use a credit card to pay for everything, and it gets auto-paid in full from my bank account every month.

That way I pay zero interest on the card, get to spend money now and pay it in a month (free month of life and/or a free buffer in case I need it at some point)

On top of that I get cheaper flights for the points I get for using the card, plus discounts at restaurants, and other perks.

Also purchases come with an insurance built in for paying with credit card...

Basically I get most of the benefits with almost no cons.

It's like going to Las Vegas and enjoying the cheap drinks and food while not gambling :)