> You're right about this. People's access to necessities like housing shouldn't depend on whether they are making money for the finance industry. And developing countries' access to the resources needed to improve the quality of life of their citizens shouldn't depend on making the development process profitable to US/European institutions.

While there's definitely issues with how credit scores are implemented, it's absolutely essential for something like them to exist. People who habitually default on their debts shouldn't be able to keep borrowing money as easily as the rest of us.