[Karunamon]

The concept of credit scores has a reason to exist, it's just our implementation is broke a million times over. There's nothing wrong with a business loaning you money having the knowledge aforehand that you don't pay your obligations on time.

[sova]

So it is! Yet, the ideal score is not one that reflects ability to repay, but ability to say conveniently under the thumb of a credit card company.

[Karunamon]

If by "under the thumb of" you mean "using less than 30% of available credit and carrying some kind of balance". There's no need to apply melodrama to a simple matter of statistics to answer the question of whether someone can use credit responsibly.