You are not alone!

My husband and I wouldn't either. We're cash only! (Not paper cash, but like we have what we spend cash)

I'd consider borrowing money from my mom who doesn't need collateral at all, if it was an emergency, like our car totally stopped worked and we need a new one to make money.

I'm even reluctant to using a credit card that doesn't cost anything extra unless I don't pay it off by the end of the month.