Credit score is worse. When people need to borrow money to lift them above the ground, they are forbidden to have their life changed. If I had a failure busines

Credit score is worse. When people need to borrow money to lift them above the ground, they are forbidden to have their life changed. If I had a failure business, I don't mind travel on slower trains and take not so comfortable journeys effort to get my business back. But not being able to borrow money is a death penalty worse than banning on 5-star hotels and high-speed rails.