You are not gonna believe where the majority of the wealth of the majority of USA residents comes from.
Also can't look at credit score system without loan system (they are linked by default) - and loan-worthiness cames from not only paychecks, but also where (which street/neighborhood) you currently live, you job history, criminal convictions, etc.
It does what the West says the Chinese social credit system is doing tho the later isn't that consequential & focuses on convictions.
And rich people (millionaires aren't rich anymore, just the last thrashes of a middle class) don't need a credit score at all, they all take out business loans, not personal loans.
The credit score system wasn't invented to oppress the rich.