Yeah, I never got this. I’ve financed 3 things in life. My condo, my car, and my piano. Everything else I put on my card and paid that card off when I got the statement.
You really should get a credit card, though. Treat it like cash and you’ll be fine. The rewards on credit cards are always better than what you get on debit cards because credit card interchange fees are vastly higher than they are for debit cards, which are capped via Federal Reserve regulation.