GDPR made rating agencies a lot more transparent than they used to be. There was a lot of guessing about why your Schufa score might be bad in Germany. I can now get a detailed breakdown of the data they have of me for free.
It’s not "no one", but rather "almost no one". The difference is small, but still big enough to make room for me and a surprisingly large number of my friends and acquaintances—including our raised middle fingers.
We don't have to be in the majority; the main thing is that there's a niche for us. If the whole world is smoking crack, that's not ideal. But at least we don't have to go along with it.