The irony is that those with a good credit score are penalized for having a good score. This is because having a good score makes you a target and you have to pay more to protect that score. If you went bankrupt, then the score drops, but at the same time you're no good any more to identity thieves as they can't use your data to apply for credit in your name.

The old business model of centralized IT is nearly done for. People just have to become aware of what's available in other blockchains and jump ship into the decentralized web.