People with substantial wealth do not automatically avoid loans. They often use credit strategically, especially when borrowing costs stay low or the money can remain invested. But some purchases make a very different kind of sense when the buyer can simply write the check, transfer the money, or pay the card balance in full.
The reason has less to do with showing off financial muscle and more to do with what happens after the purchase. Interest can quietly turn a fixed price into a much larger expense.
