Shouldn’t credit scores be an incentive to become a more thrifty and financially conscientious citizen? I can hardly see how knowing the hardware of my browser

Shouldn’t credit scores be an incentive to become a more thrifty and financially conscientious citizen? I can hardly see how knowing the hardware of my browser is going to incentivize me to spend more responsibly. I can only see this serving in the interest of banks who can grade me as a marginally safer investment. This seems to be in need of regulation. Unfortunately, Liz Warren was the biggest advocate for consumer financial protection and her state’s governor is a Republican which means she can’t have a Cabinet position because her governor would appoint a Republican to her seat and upend the current Democratic Senate majority. Seems like we’ll be walking toward a social credit system like China after all.