Although it sounds nice, following your passions professionally rarely pays the bills.
Having positive credit helps lenders to recognize your creditworthiness and overall trustworthiness.
People can certainly achieve financial success without a 9-to-5, but the majority of individuals need a steady paycheck.
Be wary of someone who tells you to avoid getting or using a credit card. Their bad advice may stem from their own experience as an irresponsible card holder.