You're right, Russ. Simplicity is achieved in the mind.

Old Guy, I use credit cards exactly the way you do. You're saying they call us "deadbeats", because we always pay the whole balance off on time and never pay interest? LOL! Look, I figure they get their cut anyway on every single thing I buy (and they do, from the retailer), so why the hell should I be a fool and pay them interest charges when I don't need to?

I note that they keep raising my credit limits, hoping against hope that I will be tempted to spend my way into debt... ;-)