I posted on my sibling that 22% of Americans have no credit and of the ones that do have credit, 18% have a subpar credit score. That sums up to over a third of Americans that the credit system is either working poorly or not working at all.

Maybe you are indeed an “average consumer” (whatever that means) but if you are, then the credit system is heavily skewed in your favor, with many “non-average consumers” falling by the wayside.