i mean, yeah. i agree. but those are rules of the game for plebs in the US. (i’m sure things are different for the super-rich.) you wanna rent an apartment or buy a new car? you have to show good credit or have someone with good credit co-sign any agreement/loan. you might do it on your own if you can show enough income (for rent) or can purchase a car outright (pay the total amount).

you can do these things with bad credit, but you will pay a higher interest rate or settle for something sketchy.

i can’t speak to house-buying (looooool, add me to the list of americans in this thread who will never own a house), but i’m pretty sure it’s the same.