Because it isn't about whether you can pay off debt. Or whether you would if you had any. Dave Ramsey's credit score is zero, I think. Anyway very, very low. And it's because he stopped using debt for anything so long ago that he isn't in the systems, not because he went bankrupt. Credit scores can recover from that.
It is about funneling money to people who make a lot of money from other peoples' debt. Those who don't make a lot of money from it (like regular people and small shops) are swept along by all the things the big guys hitch to it.
