Getting a home loan is relatively easier, because plenty of banks still do manual underwriting for things the size of mortgages. And if we had a culture that a

Getting a home loan is relatively easier, because plenty of banks still do manual underwriting for things the size of mortgages. And if we had a culture that avoided unsecured debt, car debt, etc. then more banks would have to perform manual underwriting because no one would have a credit score. Instead they would have something better: money.