High credit standards & credit check rules are getting ridiculous do you agree?

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Sigh! I think it's getting ridiculous now, I mean it's getting to the point that you need good credit to breath Even if you have stable income a good general history when it comes to paying other bills, if you have 10 or 15 points below a certain score requirement you can be passed over for various things in life even a job I know some might say well if your credit score is low that means you can't or don't pay your bills that's not always true for some people paying bills isn't about not being able pay it's about which bill is most important to everyday survival I think these stiff credit ranking law's are unfair & can be too discriminating to people, besides who wins by this credit check rule no one does. some stores & other services turn decent consumers away because a number implies that they can't pay when they can, you could have cash in hand, and still get turned away Another annoying fact about credit is if the score is low do to an old debt people & business say with a smile well just pay off those debts, and come back later, Really? like it's that easy if I could pay off debts that easily I wouldn't have a low score to begin with, and these so called credit counseling services are scams most of them only want your so called disposable income going into their company and you are still stuck with old debts Frankly I hope these ridiculous credit rules & standards change someday to fit today's consumer proof of income and employment or willingness to work should count more then anything else. what are your thoughts on credit rules & standards?