<human>: Can you give me the gist of the text in a nutshell?

I had a credit card once when I was 18, and I was completely irresponsible with it. Paid it off when I was 20, swore I would never get one again, and I haven't. But I know my credit is likely still pretty poor/low since that was the only thing I really ever did regarding 'building credit' besides a couple phone bills. The idea of having debt absolutely repulses me. For example, I recently spoke to someone about a car loan, as my car's been a bit temperamental lately, and I just cannot comprehend how anyone can be comfortable owing such a huge sum. Even the posts on here- 100k in school loans, etc- absolutely terrify me. I have a good job, but I've had some rough luck in the past with jobs, so I don't usually count on the idea that I'll have a job/this job/be able to find a job in a permanent sense. This is, I'm sure, a lot of the reason why I am so uncomfortable with having any debt. 

What I'd like to know is if there is such a thing as good debt, and if it's possible to function/prosper financial without any kind of credit card or loans? I can pretty much watch people's heads explode when I tell them I don't have any of these things (I don't even have a debit card, cash only) and it makes me feel like I'm doing something wrong.
<bot>: terrified to the max of ever having **any** debt again. Can I be a real person and succeed without credit/debit cards or loans? Is there a way to up your score without these things?