Credit score is used for lending. Basically, helps to understand the repaying capacity of the person. However, presence of alcohol in sweat or by another means

Credit score is used for lending. Basically, helps to understand the repaying capacity of the person. However, presence of alcohol in sweat or by another means if detected and taken by systems to feed data to insurance companies it will make judicious decision in charging the person a higher premium. Because, drunken driving risk lives of others on the road and yourself. If a person is not in a position to live on a agreeable consensus of social security model without putting others life at risk, jungle suits him.