I mean, I get that but why is it not a concern when I want to borrow money? Or, even more relevant, when my wife wants to borrow money? She has multiple credi

I mean, I get that but why is it not a concern when I want to borrow money? Or, even more relevant, when my wife wants to borrow money? She has multiple credit cards with tens of thousands of dollars in borrowing power in her own name and has had and paid off two loans, all while not having a telephone bill in her own name or even being on the deeds to the properties we've lived in together. I see it less as CYA and more as "we can make money off of you so the requirements are relaxed because we're making money"--that is, lending money that she'll presumably pay interest to borrow--versus "oh shit you want to put $1,000 in an account and our bank pay you better do the fifteenth degree."