Because as a lender I don't want to give someone money to buy xyz when they have a history of not making their payments. I don't think this analogy works.
People should be able to opt out.
>Why should you be able to prevent others from saying true things about you?
The obvious reason is privacy. Misdeed is subjective and the aggressive broadcasting of supposed misdeeds can be a conformist beating stick. Literal truth is a low standard for determining whether something should be said. Personally, I think Buddha's heuristic is pretty useful:
When determining whether you should say something,
Is it kind? Is it necessary? Is it honest? Does it improve upon the silence?