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Yep. There is a psychological affect to paying with cash instead of a credit card. Some people need that to control their spending while others don't.
The credit score largely revolves around that.
I was mostly raised by 2 sets of Depression Era grandparents, so I don't even buy half the stuff I need even though I have the money these days, let alone stuff I want. ๐ What a valuable lost resource. My parents were generally very thrifty too, though my dad has since grown out of that and buys all kinds of useless crap nowadays as "investments."
Control is absolutely key to credit though. My brother racked up almost 30k in his 20s and now my house is half paid off and he still rents a 1 bedroom even though he probably makes the same money roughly as I do. I feel a bit bad for him, but people's habits are what they are.