I have not achieved that, but my sister has. She got very serious about Dave Ramsey’s program, and applied it like a Navy Seal. She did her ‘debt-free scream’ about 3 to 5 years ago, I think. (That’s the Dave Ramsey ritual where you finally meet the criteria for being completely out of debt. I’m not that familiar with it, but I’ve heard of that.) She’s still just as committed to it as she was then. I remember that she was talking to me about how you really have to work hard at first to find non debt or credit-based options for many normal purchases (home buying, home rental, car buying). But there’s a growing network of people committed to that, and she managed to get her car and her place to live without using the normal way.
So, it’s possible.