We never really question the normative waters we swim in. Plenty of fucked up things become normal that serve to salami-slice our culture away.
Credit scoring is one of these. There's no practical difference between this and the Chinese Social Credit scoring system.
@UncleIroh Indeed. Most people don't think to ask why something is done a certain way or bother to investigate if it always was. The current year is always assumed to be the best (or at least better than prior years in all ways).
It doesn't help that most people's philosophical repertoire is as expansive as a series of platitudes and truisms.
When I was a teenager, I immediately realized that the credit score was a scam. Why the fuck should I work extra long hours so I can get the "reward" of drawing up even more debt, so I can work even more hours? Like a human hamster in a wheel going nowhere. I've never taken on debt.
I made similar conclusions about the prom (invented in the 1930s, carried out completely differently in the 1930s, than the end of the 20th Century).
That was pretty based to notice that off the bat.
Skeletor also had the goods, you're in good company.
@DoubleD
In the given example, it's clear that Boomers and older generations had a significant advantage in acquiring property, vehicles and professions in vastly fairer and different ways than everyone can today.
The consequences have been disastrous. It introduced a financial caste system, mostly along generational lines, but also created a limitless tool of control out of thin air.
Remarkable.