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There are several ways to establish credit. The most important things needed to establish your loan worthiness when buying a house are your salary and your bank balances. Not everyone has to finance cars. The major reason why all of this credit garbage is imposed on us is to enforce money laundering laws. And also "for our convenience." In America everyone is so scared of the three letters that they don't want to even touch more than $10k at once. In Switzerland the limit for a cash transaction is almost $100k. Nothing is going to change here, but I just want to make you aware of what things are like elsewhere.
Not true make good money wouldn't give me a car due to loan worthiness. Ended up putting a bigger down payment.
You can't do everything in cash unless your rich.
America banking is different. You have people who can't get business loans because of lack of credit history.
How do you establish credit without
Credit cards
A small loan or bills
Banks don't care about your salary. You can get fired tomorrow. Your credit history shows no matter what u have a tendency of paying.