Yes because the process of credit evaluation is non-transparent and punishes people who choose not to take on debt and indirectly punishes people who dared not

Yes because the process of credit evaluation is non-transparent and punishes people who choose not to take on debt and indirectly punishes people who dared not to be born in the top 2% and couldn't rebound from a personal emergency in a timely enough manner for a stratified class of creditors.