Anyone can agree

Says the kid that has a zero credit score

And you know this...how, exactly?

Minors can’t contract debts.

Why do you care how I know this?

And how would you determine a persons ability and desire to repay a debt?

People who are struggling shouldn't have to pay more on things

Credit scores have origins in racism

Don’t buy it and you won’t have to pay more.

People need things

But no one is forcing them to buy it on credit

The magic words are I want to pay full in cash, no one will say no.

Credit is stupid.

If you have enough cash they aren’t a problem. Otherwise they measure how well you manage your money.

But what about people who don't have enough? they are people too

That’s why they have credit. But a score is used to determine how well you manage money. For those people there are ways to build credit: get a store card to use in a purchase there and pay it off, ensure that utility and insurance bills are paid on time etc, and don’t rack up massive debts: if you can’t afford food and new clothes, make the old clothes do.

Credit scores have origins in racism, as do a lot of other things

That in no way shape or form means it needs to be eliminated.