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.
You’re just exemplifying the inherent problem.
People need housing. People without a house are a risk. People with houses won’t let people that need housing rent a house because of said risk. Thus we are back at the start where people need housing but can’t get it because of the broken system.
You can talk about risk management until you’re blue in the face but it doesn’t change the fact that landlords are participating in a broken system that leaves real people in one of the worst situations you can be in.