Airport Lounges and the Experience of Having a Shower

Air points or air miles could amount to a single dollar for travel. Some credit cards say hey, if you're gonna pay your flights with this card, we'll just give you free travel insurance. Travel insurance is what like $200, $300 can add up. I don't find those last two points that incentivizing. For me, it's the lounge. Do you want to hit me with a reason why you shouldn't have a credit card?