Have you ever heard of a credit report, how does that not 'cancel' ones ability to use the banking system. If everyone could get a loan for a business idea, th

Have you ever heard of a credit report, how does that not 'cancel' ones ability to use the banking system. If everyone could get a loan for a business idea, there'd be a lot more cool inventions and restaurants, and choices in society - but they're very selective and if you're rich - they don't even look at your credit just give you money and business cards to tell your friends.