Corrupt credit score agencies

WHY IS IT WE LET THIS GOVERNMENT GET AWAY WITH ALLOWING CREDIT SCORES TO BE APART OF DETERMING HOW WE CAN GET INSURANCE FOR OUR CARS,HOMES,LIFE INSURANCE ,THESE THINGS ARE APART OF OUR NECESSITIES.NOW IF THEY PREFER TO USE THIS FOR CREDIT CARDS,THAT'S DIFFERENT,BECAUSE WE ACTUALLY DONT NEED THESE CREDIT CARDS!AND ALSO THEY USE THESE SCORES TO DISCRIMINATE WITH ALSO!