How is it a scam? We pay on time and get a better score

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Good boy. 2 points for hue.

Credit score is promoting a fiat system in which we bind ourselves to debt.

Debt is not equal to money.

Instead,

Debt = Slavery.

💯🎯🎯🎯🎯🎯⚡️

Yeah seems debt and Fiat are the true scams here.