This seems like the perfect reasoning to build a country upon. The US brain drain was hugely accelerated by WW2 and is in steady decline. Having a system that e

This seems like the perfect reasoning to build a country upon. The US brain drain was hugely accelerated by WW2 and is in steady decline. Having a system that encourages new people to take out loans/credit just to build a score probably doesn't make it better, don't think that won't affect the US economy long term. On a single individuals level it doesn't matter ofc, but don't be ignorant towards how that might affect your future if you're young enough to live through brilliant people leaving.