If you have zero credit rating then you would not be able to buy a house or rent at many places. I get that people like to be debt free, but having credits cards does not doom you to a life of servitude paying "the man". They have there place, and the most successful people in the world borrow.
As for sildoc's comments above, I can't disagree more. Given the assumption that the 0% finance deal is as good as the non 0%, not taking this would be foolish. If you pay cash and something happens to the machine then you are stuck with a pieces of junk worth 0 anyway. If you pay cash then you are a slave to empty pockets. What happens if you truck craps out. Oops, no money in your pocket.