[navaati]

Oh yeah, a caste system, that's lovely.

I know you don't mean that, but it sure smells like it.

[dsfyu404ed]

My point is that not everybody lives in upper middle class existence where you need good credit for everything. There's plenty of people out there who will never buy anything other than a house on credit and who never do any of the things you're supposed to do to have a good credit score.

[navaati]

Until, for some reason, one of them wants to, but he can't, he's stuck in his current situation, and that's called "reduced social mobility".