I own my own home, (with a mortgage guaranteed to be .5% lower than the going rate for the next 5 years)
Hmm, so you are either not in the US or you have an ARM? If you are not in the US then perhaps things are different. In the US you need good credit to get the best rates and it is almost impossible to have good credit without a credit card at some point.
my debit card has identical fraud protections to a credit card with NO fees.
No it doesn't. Credit cards are subject to more protective federal laws. Again, perhaps different outside the US. Your bank may offer protections but those are not guaranteed by law in the same way.
Have you really been seduced so far by the myth of the need to carry debt on a credit card in order to have a good credit rating that you really believe this? WAKE UP AMERICA!
Don't confuse carrying a credit card with being credit worthy.....
Not at all. I use credit cards for everything I can yet have not carried a dime in debt on them for at least a decade. Don't confuse using a credit card with carrying debt.
I don't think people should carry consumer debt for the most part. It does have a high price as you say. But using a credit card for expenditures and building good credit is a good thing.