"but isn’t it sort of weird that it is legal to score your citizens like that in a democracy?" No, why? How else do you ascertain risk? A democracy =/= bankin

"but isn’t it sort of weird that it is legal to score your citizens like that in a democracy?" No, why? How else do you ascertain risk? A democracy =/= banking and financial products. Sure there is a central bank, but that is not related to this conversation. The credit agencies are not government facilities. Credit agencies are regulated by the government.