I think you and I are going to have to agree to disagree on these points. I'd rather have no debt and possibly pay a bit more on a 15-year mortgage than take the risk of having a half million in debt, get in a car accident, and lose any means of paying the minimums on all my real estate.
I know you think that it's idiotic for not wanting to need a credit score, and I think it's idiotic for taking out all kinds of loans on real estate (Dave Ramsey did this, by the way, and he lost everything in a 3 month period).
It's a difference of opinion on what the "best" thing to do here is. And it's like the argument for personal accounts in addition to Social Security--we already have our minds made up and facts in hand, but no one is going to convince anyone to change their minds