People don't trust the bitcoin network but trust an easily manipulated fake number controlled by 3 private organizations. There's an entire industry dedicated to helping you 'repair' your credit score. Experian just basically gave up and said screw it we'll charge people money to 'boost' their score. Loan sharks from the bank will threaten you with hits to your credit score if you cross them. Yet people still trust this imaginary number based on a group of companies deciding whether or not you are worthy getting a better rate.