Ah, but you're assuming that the only purpose of the credit score is to accurately determine risk. The other purpose, from the point of view of the lenders who

Ah, but you're assuming that the only purpose of the credit score is to accurately determine risk. The other purpose, from the point of view of the lenders who support the credit score system, is to encourage people to borrow money, since the only way you can build up a high credit score is to keep borrowing money and paying it back.