> the credit system is only related to your ability to repay debts. Is it? In Australia things like rent, electricity and phone bills all have credit checks at

> the credit system is only related to your ability to repay debts. Is it? In Australia things like rent, electricity and phone bills all have credit checks attached. If you fail to pay bills (which I guess is a kind of debt but not one that originated with a loan) then you need to pay a large bond. If your credit score does start to slip, life becomes increasingly expensive and limits your ability to meet ongoing obligations. > It is neutral to, and cannot be easily and directly cooped for Government control of personal behaviour, morality, and relationships. Yes it can, for example the behaviour of poor people in rental accomodation is much more heavily policed than wealthy people who own their houses. Poor people are stigmatised and frequently held to a higher standard because they are seen as "relying on other people's money", and the slippery slope nature of for profit credit scoring exacerbates this problem. > It is not a tool of total social control You've clearly never been poor, nor had any problems with your credit score. > And it is not centralised to the same entity that has a monopoly on force. Again, you've obviously never had a problem with your credit score. Companies that can afford to pay legal fees are definitely aligned with the same entity that has a monopoly on force. You should get out more.