Ngl & sorry but that sounds indoctrinated af.

7~10 years on a car is predatory & shouldn't even be allowed. You overpaid half the car.

Difference between high & low(er) interest rates is access to credit & purchasing power. It determines what/where or even if you can buy a house. There are even USA pop culture reference to not having a good enough score so they don't get a loan.

And y'all interest rates are still high, regardless of the score.

Forced use credit cards takes away money from the stores & you get almost nothing in return (you should get money back, not some weird promise on loan rates that saves you money only bcs of ridiculous rates & long borrowing).
And repaying credit card (interest or not) has 0 relation to repaying a 10+ year mortgage. It's just bs to get the banks (and Visa/MC) obscene amounts of free revenue/profit & they don't have to do anything in return. Just think of how much money have "you" given the bank if 3% of all your purchases went to them. It's not that you directly lost that (tho through general inflation & stores overcharging you to cover what goes to the bank you have), but didn't get anything for selling/promoting their product either.

Different counties over the world use different systems, but most don't allow centralised private databases (tho some big ones still use it) that lenders can just access personal data on citizens (and all of them have problems).
Some countries have defaults or unpaid taxes accessible to lenders (via gov agencies/portals, not private firms).

Tho the best systems are just every lender for themselves & on data you provide them - statistics show how rare defaults are & how they don't really affect any lenders (except in a macroeconomic crisis, where eg the underlying real estate losses value).

And statistics also show that the prob of default are basically just related to wages (how much money is left to the borrower each month overall) & collateral.
That's is what central banks put restrictions on to govern monetary policy (besides overnight rates & gov debt ofc) & banking sector stability.

And in terms of eg mortgages - credit score is useless, you have real estate value that more than covers the lean & just about any borrower would have a lot more problems & to lose in event of default so they already try to avoid it as much as they can.

Credit scores don't lower bank insolvency rates, at most they help with the profit, but most importantly they arent really relevant to a lenders core business success.