...help the bankers not lose all their money to deadbeats, which means they can keep loaning the rest of us money at a lesser rate?

The system before credit scores was even worse. Human bankers used subjective judgement subject to individual biases. That system was unfair, inaccurate and difficult to scale. How would you replace or improve credit scores?

Personally, I'd like to have much more control over who can view my credit data and for what purposes.