You can gauge into peoples financial responsibility simply by looking at how much they manage to save, how often they hit zero or almost zero on their account e

You can gauge into peoples financial responsibility simply by looking at how much they manage to save, how often they hit zero or almost zero on their account etc. These are much better indicators of your ability to handle money than spending money and paying it back to build credit history. Again it works in other countries and so of course it can too in the US.