Credit scores: Why?

Among the many surprises that smacked me in the face with growing up is credit. Apparently there is this mysterious, invisible number attached to every person once they start growing up and start using money. This number places a value on each person, like your grade at living life. It follows you no matter where you go until the day you die. It tells everyone you want to buy stuff from if you get an A grade at living life or a B or a C, D or if you Fail at life. If your life grade is not good, you basically can't do anything ever in life until you get that grade up. The tricky thing is, no one really knows what makes your grade go up or down and no one really knows how to find out what their grade is. And then if you ever do find out how to check this grade, this is bad and you are punished by getting an even lower grade. And even if someone steals your identity and runs a muck on your credit and leaves you with a D grade, too bad. Go ahead, call the IRS, call the banks and try to explain. It doesn't matter. You are stuck with that social security number, that identity and that horrible grade until the day you die, unless you can figure out what things you need to do to raise your grade. As far as I can tell, this entails buying more stuff and taking out more loans that you can't afford in order to show that you can pay for them. Which you can't. Which is what got you into this mess in the first place. You may be thinking, Well I just wont buy anymore stuff then and wait it out. Wrong! If you don't buy stuff you can't afford then you have "no credit history" and you fail at life again. I would like to clarify that my credit is not bad. I think I get a B- at life. Of course this is a guess because heaven forbid I find out what it really is. But whoever came up with this twisted system gets an F from me. I understand that banks need to know that the person they are loaning money to is going to actually pay them back. And I probably wouldn't be so against this system if it was more transparent. Why can't we have a little credit score ap on our phones that dings every time you do something that lowers or raises your credit score. You could even ask it what to do to raise credit or prevent it from lowering. And you could constantly at any time, know exactly what your credit score is, for FREE. No more of these sign up and pay monthly to know your own personal information and if you don't pay it your credit score drops. If credit is really so important to being able to buy or do anything in life then it should be like checking your bank account. Easy. Free. Your right to know it. Yeah, that's what I think.