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...but I don't have the means not to rent? Around here, houses are going for $500k-$600k. I guess if I wanted to I could put most of my life savings into a 10% down-payment and sign up for a 30-year mortgage, but I don't want to do that, because again, I refuse to use credit. Also because I don't know if I am going to be working this job in 30 years and if I have to move I don't want to go through the paperwork of selling a house most of which is owned by the bank but in which I own like 15% equity. Also also because as long as my mother is alive, she is going to force me to allow my bipolar drug addict spinster genderqueer lesbian sister to live with us, and I don't want to be stuck with her in a house that I own.
Perhaps you have moral objections to usuary, and that's fine. Live your values. But from a purely financial perspective, its incredibly irresponsible to not use credit and/or build a credit score. I just hope your not confusing/conflating issues with debt, spending, commitment, etc, with responsible management of ones credit. Its very important, often confusing or intimidating, but actually quite simple.
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