So if you're choosing to pay by cash, cheque/check or debit card, or you're not eligible for a credit card at all because you have a insufficient credit score (e.g. you're a new resident), you're effectively paying more for everything. It's also another tax on the poor, not unique to this country, but far more than the other countries.
It took months of living here to build up enough credit history to have a credit card, and because furnished rentals aren't really a thing here, the expense of setting up a new home was compounded by the lack of a credit card at the time.
Incidentally, I have also one of those people I never thought I would be. I have joined the hordes of people who are proud of their expensive couch. I've become one of those people.