>People get bad credit because they acquire debt and then fail to service it and think ignoring creditors is the way to go. Or they are born poor and don’t hav

>People get bad credit because they acquire debt and then fail to service it and think ignoring creditors is the way to go. Or they are born poor and don’t have access to credit. Thus have limited access to jobs and housing. That continues to prevent them from establishing credit and keeps poor people poor. Also there are plenty of studies showing credit scores in fact are inheriently biased against minorities. “Just Pay Your Bill”. Exactly as I said the majority loves it, and the majority in China will love it to and say “Just be a good citizen”. Edit: I realized I’m talking about the dystopia of using credit to limit ones ability to get a job and housing, and you’re talking about ability to buy cigarettes and video games.