While 90% of applications go through, 10% can be significant, especially if most unsuccessful applicants meet the requirements. Taking data into consideration, getting this visa is not hard as long as you meet all the requirements.
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France authorities don't issue visa at your arrival. Unless exempt from having a visa, you must have a visa issued before your arrival in France or within the Schengen area. As a reminder, having a visa in your passport does not necessarily guarantee that the holder will be authorised to enter the Schengen area.
Fortunately, Visa and Mastercard are widely accepted, even at many of the street markets and other places that traditionally wanted cash only. So, do yourself a favor and don't leave home without a Visa and/or Mastercard - and preferably bring a couple of back-ups, just in case.