The article doesn't talk about it, but I wonder about companies that do credit checks as a pre-req for employment. Being unemployed can lead to problems paying

The article doesn't talk about it, but I wonder about companies that do credit checks as a pre-req for employment. Being unemployed can lead to problems paying bills, especially over the long term. (For younger individuals, this might be problems paying back student loans, which aren't dischargeable in bankruptcy.) Bad credit means not getting a job which means further problems paying bills... well, you get the idea.