I’m a leftist who dislikes capitalism, but I can admit that credit scores were a step up from the way loans were done before. The old way just made it so the banks themselves decided who they wanted to issue a loan to, and that led to a lot of racism and sexism when it came to giving the loans out.
Still, I do think we can come up with a better system than the current credit score system, and I think you have the right idea to point out it’s flaws to start the wheels turning on improving it.
People shoot up drugs on the street, too. Should we just get rid of public streets while we’re at it?
Personally, I would rather have drug users go to a more private spot(like a public bathroom stall), than on the street in broad daylight, to use their drugs.