As European who lived in the US for a while, I'm still baffled about the lax concept of paying off debt on (multiple) credit cards, vs. the strict monthly, limited and unavoidable debit from one's checking account.
The superior protection of your assets from fraud is icing on the cake.
You just use the credit card as the debit card and you are good to go. Certainly not everyone can handle that and there's probably a society-wide problem here but that doesn't detract from the individual decision to be made in the operating environment.
Turns out it was pointless since I was self-employed they wouldn't give me a mortgage anyway (wish they had mentioned that up front, but they didn't). Ended up buying a small house with savings, which really hurt my future wealth, but oh well.