I honestly don't think it's broken. If I'm going to loan you money it makes sense that I'd like you to have a history of successfully managing debt and access t

I honestly don't think it's broken. If I'm going to loan you money it makes sense that I'd like you to have a history of successfully managing debt and access to debt. You are more risky if you don't have a history. It makes logical sense. Is it fair? I don't really think so, but its at least logical.