>It's absurdly backwards because it's asking you to create debt which normally is the opposite of showing you are good with money and I would question the valid

>It's absurdly backwards because it's asking you to create debt which normally is the opposite of showing you are good with money and I would question the validity of seeing people paying back limited debt to be indicative of ex. borrowing for a house. I don't think it's backwards. Debt is only a bad thing if you're being irresponsible about it, so it's like a weedout test. In the other system, can you just buy a house on credit with no credit history? If so, I just find that hard to comprehend. Also, re: your comment about foreign people, my dad had no issue with it, but maybe you're saying people that are not yet citizens?