My parents are children of the Great Depression and thus have never owned a credit or debit or ATM card.
They have no debts and pay all bills the same day they
receive them by check, at which point my father takes the
envelope to the post office personally and mails it
inside (doesn't trust the outside dropoff). Back when
the milk man delivered to the house, he would make my mother compute the amount due to the penny, and leave
the cash in the milk box because he did not want to get a bill in the mail. It is a whole different mindset.

JG