[modeless]

I think the system works as designed even in your case. By not accepting loans you haven't proved you will pay them back if you get them; you've simply proved that you don't like loans. You might assert that not taking loans demonstrates some sort of fiscal responsibility, but I'd say the hard data collected by the credit rating companies trumps your anecdotal evidence.

Think about it; if someone who hasn't taken loans their whole life suddenly wants a loan, isn't that a bad sign for their fiscal situation? Why shouldn't they have a lower score than someone who has proven they will pay back loans by actually doing it many times?