Labor? My credit card auto-pays in full each month. For that I get use of someone else's money, points and cash back, and additional warranties. It is no extra work for me, and actually has less stress because if a bad charge does come through the money will never leave my account.

If you use a debit card now and are use to paying in full you are leaving literally hundreds, if not thousands of dollars per year on the table in free money by not using a credit card.