Who should own a checking account?

I've seen people in their late 20s and still doesn't own him/herself a checking account! Most of us will carry a credit card wherever we go because it's no longer safe to have too much cash in our wallets. Everybody thinks having a credit card is good enough. Well, I think it's not entirely true. From what I see, there are not many outlets out there which accepts credit card. What if you're required to make a huge payment to someone? Isn't it more convenient to write that someone a check instead of rushing to the nearest ATM machine and risk yourself of being robbed? Therefore, I would suggest everybody should have a check book handy instead of just a credit card.