The act of handing over cash makes us think more than simply zapping it on the plastic. One of the early credit cards, which also became a well known advertising slogan, was called your Flexible Friend. You could argue today that it has become far too flexible.
A common response I get when I suggest people start using cash is "what about loyalty programs, I get points if I use my credit card". Get over it, do you know how much is costs you to get those points? I am not suggesting that you don't use loyalty programs but what I am saying is that if you are buying something that you don't need and justifying the purchase with the fact that you get points then maybe you need to reconsider your spending.
Every day in some form or another, whether it's a one on one consultation with a client, talking with friends, speaking at an event or just look at the media I am exposed to people who are struggling financially. That doesn't necessarily mean that they are struggling to pay their bills, in many cases they are regardless of their income, more that they are not on top of their financial lives and have a lot of stress around their finances.
I believe the high use of credit is a big part of the challenges so many people are facing in their financial lives. Its all too easy putting things on credit and we are often not conscious of what all the spending is doing until well after the fact. Using cash makes it easier for you to be in control of your money.
Why don't you try using cash instead of credit and see what happens. It might be in the form of giving yourself some pocket money or spending money each week for discretionary items so that you have a limit on what you spend. It might also be in the form of saving up for items you want and paying cash rather than putting the item on some form of credit.
People not paying interest on consumer debt because they don't use it I guess is my utopia, because I know the heartache it will stop. You might think that it's not practical for you, but give it a try. In my experience someone without consumer debt and who is more in control of their money is a much less stressed person.