[llamaimperative]

I agree with your concerns but don't feel like we're at that tipping point to be honest, relative to the value of credit being generally easy to get for the legitimately creditworthy.

> Already the US credit score makes people obsessed about credit, and getting credit cards and loans to improve/game their credit scores with their future mortgage in mind

I've encountered very, very few people doing this to an inappropriate degree (obviously yes you should consistently demonstrate creditworthiness, that's not gaming though). Anecdotally, the people I see doing this are actually seriously not creditworthy. A whole lot of "you bought 3 cars and fucked your score, here's how to dig your way out." But like... the evidence actually shows you can't be trusted with credit!

I don't disagree with any of your big picture concerns about the system and the possible edge cases or distortions of priorities. I just haven't seen evidence those are huge problems relative to the value of the system.