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And how you live. Good luck getting out of poverty with a terrible credit score, that you probably got because you were poor to begin with and living is expensive. Can’t get a loan to buy a car to drive to a better job, and can’t buy a house to build your assets and are instead forced to piss it away to a landlord in order to build their assets. That alone limits your employment opportunities and is an active drain on the amount of money you are able to save up, which compounds over time and creates societal castes of sorts - those who can accumulate capital and those who exist to serve them. And sure you can live on scraps for a decade and probably fight your way up as you crawl out of it, but it’s the fact that so many are forced to live like this that makes it crazy to believe that credit score isn’t already a social credit system.