Fully agree. Take full advantage of credit cards, of accumulating points while settling any outstanding debt fully before due date. Credit card is useful only if you can comfortably settle each monthly bill. It's a no no if one tends to accumulate debt.

Last time I had a few cards from different banks to take advantage of various promotion but it was difficult to keep track of payment, leading to some missed payments and penalty charges. 

Nowadays I just use max 2 cards for any transactions above RM50.  All my insurance, utility bills, etc also autodebit to credit cards. 

I think the same too, but there are those who still would not believe in credit cards, probably due to their own spending habits and deficiency in self-control.
I do not spend on anything for my own satisfaction, apart from the necessary groceries. My credit cards are strictly for my own business expenses, and I do no carry forward any unpaid balance because as I have mentioned, I use credit card not because I need the cash, it is just a substitute for cash in return for some perks. Therefore, I do not see my credit card usage as 'debts' as I technically do not owe banks any money over a month.

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Agree on that. In fact what most people want is not huge wealth, but financial independence, being able to have the time to do what they love to do in life.

REIT is not limited to shopping mall, could consider industrial e.g warehousing, distribution center.