Late Stage Capitalism
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fun fact, credit score is not a thing in most of the world.
And didnt exist until 1989 in the US. Credit scores and Tay Tay are the same age.
However if you were a minority or a woman it was also a bitch to get a loan prior to it. Though women couldn’t even have their own bank accounts till… the 60s/70s?
Women earned the right in the 60s, but it wasn't until the Equal Credit Opportunity Act passed in '74 until banks were forbidden from requiring a husband's signature.
The Equal Credit Opportunity Act prohibits financial institutions from discriminating against applicants based on their sex, age, marital status, religion, race or national origin.
https://www.forbes.com/advisor/banking/when-could-women-open-a-bank-account/
I worked for a Credit Union as a developer. I can attest that at least where I worked, there was a host of yearly modules you had to complete to ensure you were up to speed on how to not be an asshole and they took it quite seriously.