Davish Respsones:
Mortgage without credit can be achieved through manual underwriting.
No opinion on the insurance premium vs. credit score, I've never heard of such but could see it.
The entire premise of Dave Ramsey is to get a way from payments and pay cash for everything, when you take a loan, whether 0% interest or not, you're still making payments. You would still be buying a depreciating asset, that you're making payments on whether it's interest free or not.
Manual underwriting is a pain in the ass. Look it up. Banks hate it, and you better have a great high paying job with tons of liquid assets for a manual underwriting review to overlook no credit history.
Yes, insurance premiums vs credit score is a thing. It's considered part of the risk factor now.
A house is never a depreciating asset, unless the entire economy tanks.
But 0% loans are free money from the bank. Doesn't matter if it depreciates because in the end you paid the same either up front or in the end because it was no interest.
People who can't responsibly use credit cards are bad with money anyways. I have a credit card that vies me 6% cash back on groceries and 3% cash back on gas. I use it on those two things and pay off the balance entirely every month. I get hundreds of dollars a year in cash back. Literally free money.
Don't get me wrong, most of Dave Ramsey's advice is great. But it's geared for people who were terrible with their money like he was before he got out of debt.
You can be responsible with credit and make it work for you. That's the only myth I'm trying to dispel.