I'm not playing victim or making excuses here, just saying that the credit rating game isn't designed to discriminate against people who don't believe in usury

I'm not playing victim or making excuses here, just saying that the credit rating game isn't designed to discriminate against people who don't believe in usury (as the OP claimed) but to serve as a tool to warn against people like me who can't be bothered to fulfil their contractual obligations in a timely manner. If I, in my perpetual slackitude, can acquire all the necessary things to live then someone who does pay their bills on time but doesn't believe in credit should have no problems at all is all I'm saying.