I always assumed credit scores were an integral and historic part of the American financial system.
They were not, they are very recent，most of your parents didn’t have credit scores growing up, and as you can probably tell or at least intuit, it’s mostly just a b******* scheme for those with capital to accrue more capital by invading your privacy.
I worked at a movie theater and credit cards could only be to purchase tickets and not concessions so that may have had something to do with it
Of course having a limitation on card usage would reduce how often they will be used…