I can think of many other explanations. For instance, someone who does not plan on living in the U.S. for the rest of his or her life could say something like

I can think of many other explanations. For instance, someone who does not plan on living in the U.S. for the rest of his or her life could say something like that. Someone who makes what every engineer in SV makes and therefor does not need credit at all could say something like that. Personally, I think it's a terrible idea. It's a much better plan to work together a couple decades of good borrowing history without paying much interest and then get unsecured loans totaling hundreds of thousands of dollars and cash out.