Nope. Whether you use credit or not, the credit bureaus collect information about you and share that with all manner of other companies, including employers.
Also these systems have inherent racial biases.
https://www.forbes.com/advisor/credit-cards/from-inherent-ra...
Again, this seems like people want low interest borrowing without the “icky” problem of having to answer for their past failure to pay debt.
The world doesn’t work that way.
I already mentioned that some well paying jobs (the kind that people stuck in debt traps would most benefit from) require an active credit score to obtain. So “not using credit” is not an option. As well, credit is a primary way that the people who hold generational wealth got that wealth. Oh, and they run the system.
You’ve created a straw “poor person” and insist on shadow boxing it. If you ever decide to confront the complex systems that these fellow humans face, I encourage you to read up on the modern credit system. Wikipedia has a good rundown with active sources.
Either you can pay your debt or not. If you can't, others will use that to infer other things about your suitability for various things like jobs.
The credit score isn't the issue, it's just the medium for transmitting information. Background checks can uncover the exact same issues. I can call your neighbor and ask if what kind of a person you're like and decide not to give you a job based on that answer.
That's just life - actions have consequences.
And no system is 100% accurate, so your point is moot anyways.
How does “checking if people are credit worthy” reinforce inequity? If you can’t repay, you shouldn’t be taking on debt. If anything it prevents people from taking on debt they can’t afford, stopping them from further inequity.
And you can opt out. Don’t use credit at all.
This sounds like a bunch of people complaining “why can’t I just borrow whatever I want without people checking whether I can repay?”