There's a difference between wanting to have good credit so that you can benefit from a garbage system and wanting that system to exist in the first place.
on a large scale doesn't this mostly protect people from dangerous debts?
Not really. It just ends up with lenders offering far more predatory interest rates, which worsens the situation for the debtor. The system is set up in such a way that you can spiral pretty hard with a single misstep.
Americans be like ( lemmy.ml ) Englisch