[quickthrowman]

Banks do not report checking account history to the credit bureaus. You can function fully with a checking account and debit card. You can get by using money orders and cash, millions of people in the US do.

If you borrow money, you agree to certain terms, one of which is reporting to the credit bureaus. Nobody is forced at gunpoint to borrow money. There is no coercion and no duress.

The system is not fair, I’ll concede to that.

[bleepblorp]

It's essentially impossible to rent a car, book a hotel room, or do most online shopping, without a credit card. Debit and pre-paid visa/mc cards don't work for this.

If you want to live a normal life, you have to be able to borrow money in the form of having a credit card.