Yay lets remove all the safety nets because we all know credit scores are an accurate representation of your worth as a human and anyone struggling in capitalism must be to blame for not being rich. No, I haven'ti heard of this "Great depression" why do you ask? Did they ever think about not being depressed? You see, I'm a genius.

…or maybe you got a shitty lot in life, didn't have enough money or skill to make a plan to begin with, and/or got hit by all at once by multiple unfortunate circumstances that were out of your control? Even the best plans don't always pan out; shit happens.