The wife and I are retired, have a couple fixed income direct deposits, don't have credit and haven't for 20 years.
2 Factor when even it's available, Texts alerts for deductions, deposits, and balances over/under a limit.
Have locked with the 3 credit bureaus but it really doesn't matter because WE can't even get credit.
We do have AT&T for DSL and a land line, Changes are locked.
A couple times our debit cards have been hacked, likely by clerks in gas stations when the reader wouldn't work, but got everything back.
Luckily only one card at a time while we wait for a replacement. I watch the accounts often.
If the cushion in the bank accounts aren't high enough, we just wait until next month for a big purchase.
Waiting on this year's RMD to have a party

Hate to sound like a "Poor", but credit doesn't interest me.