So, in other words, you didn't actually read anything I wrote?
There is a difference between having no credit and having bad credit. All I'm saying is that you do not need a credit score to buy a house. You do not need a credit score to buy a car and you don't have to have $50,000 for a down payment on a house. I mean, we're talking about people that can't come up with $500 for a phone, yet we think it's a good idea for them to finance everything else? Hogwash. Most people do use credit. Most people are broke. If most people jump off a cliff, is everyone going to do it?
My fiance and I are debt free. We both have been for a long time. She is currently putting herself through school without loans. After we get married I'll help put her the rest of the way through. We are not rich. I'm a private investigator and she's a nurse. Look those average incomes up. We are both above average national wide, but we aren't sitting on stacks of cash. The best we can figure our future budget, after we get married, in our first year we'll be able to save 15K-20K towards a down payment on a house depending on what her school load looks like and how much she can work. In a mere two years we'll have 30K for a down payment on a house.Why? Because we don't have payments on anything. If every month we were paying $100 on cell phones, $600 on two cars, $200 for crap charged on credit cards or whatever else people buy, we wouldn't be able to have a house.
So what do people want, crap and a credit score, or a house? We choose a house. Your FICO doesn't give you a positive rate of return on your investment.