It would crash housing prices, which would be objectively good. I can’t say for certain if it would be worth the other costs.

Money is credit. It’s a promise that someone else will pay their labor or capital or goods in exchange.
I would like a world where the things people NEED housing, food, medical care, are provided and the things people want, they can save up money (credit) and purchase by selling what they can, labor, skills, assets.

Credit scores aren’t just about how likely you are to pay back loans, they are about how much money can be made off lending to you.

Pay off loans early, and the lender makes less money, so your credit goes down.

Closed accounts, inactive accounts, those aren’t making anyone else money, so less credit score.

Paying on time is the biggest risk of lending, so it has the biggest impact, but doing things that lose your creditor money can make a difference on the margin.

People thought the smoke filled rooms that gave us Kennedy, Johnson, Nixon, and Goldwater were the most corrupt thing and what we needed was more democracy.

And 2 generations later we got trump.