I would suggest that your disagreement with patio11's post bears no relevance with people who already have credit ratings, have been caught by the Equifax leak, and are at increased risk for identity theft as a result (which, I think, are those the post addresses).
It seems to me you are simply gloating in your ability to avoid credit. Those who are able to avoid credit have little interesting to add to the conversation about credit reporting agencies.
It is irrelevant whether you have any credit cards, or whether you have a bad credit rating, or whether you care. If you have a mortgage in the US, then Equifax, Experian, and TransUnion have your number. They have your number,
they have mine, and they have brownbat's.
Now, other people have my number. And the only way I could have avoided that was to have paid cash for my house and/or had a fairly limited set of landlords forever. So the OP's point still stands, but I strongly agree with patio11's
comment that my credit rating cares about me irrespective of how I care about it.
It seems to me you are simply gloating in your ability to avoid credit. Those who are able to avoid credit have little interesting to add to the conversation about credit reporting agencies.