Totally a boomer and I dont know what bitcoin is. Its not like I run a node and have built a claw machine and candy dispensar that accepts sats.

Having acess to credit is not a bad thing. I'd rather have acess to a loan instead of being forced to sell. The only people who dont care about credit are single, deadbeats, no motivation in life to own anything such as a house or a car. I know because I talk to them for a living. When your find a girlfriend and she wants to settle down. You will start worrying about your credit report, you just havnt mentally matured yet.