That conveniently glosses over the fact that it is your fault if you have bad credit. There are systemic causes of poverty. But nobody forces you to take credit

That conveniently glosses over the fact that it is your fault if you have bad credit. There are systemic causes of poverty. But nobody forces you to take credit you can't repay. More importantly, your premise is wrong: The average credit score in the US is just below 700 (690ish iirc.) And the median is above 700. This comes from numbers from the CRAs and is supported by the stats reported by CreditKarma.com. That is not bad credit.