[refurb]

There are no "moral failures" so I'm not sure where that comment comes from.

Either you can pay your debt or not. If you can't, others will use that to infer other things about your suitability for various things like jobs.

The credit score isn't the issue, it's just the medium for transmitting information. Background checks can uncover the exact same issues. I can call your neighbor and ask if what kind of a person you're like and decide not to give you a job based on that answer.

That's just life - actions have consequences.