I think what the OP was criticizing mostly is that we (Europeans in my case) don't have to build up a credit score, which has to be done artificially (if you ar

I think what the OP was criticizing mostly is that we (Europeans in my case) don't have to build up a credit score, which has to be done artificially (if you are someone who gets X per month and spends X-Y). It's not a criticism of "some credit worthiness beign checked" but this weird notion that if you decide to route all your bills through your credit card you are suddenly credit worthy, whereas if you pay the exact same amount every month in cash, you are not. Which in turn means if you happen to move here you don't have to start working hard at just building this imaginary score.