Hah, I can agree with a single source of truth. A credit score is essentially what you are referring to. I know for sure you cannot rent without a large deposit

Hah, I can agree with a single source of truth. A credit score is essentially what you are referring to. I know for sure you cannot rent without a large deposit with a terrible score, and some jobs will not hire you (especially GOVT jobs) when you have large debts and bad credit. Not sure about the insurance rates, but it certainly would not surprise me.