Year over year, your freedoms and finances will slowly dwindle. A law is passed that destroys your privacy... local/state/federal taxes are increased... the cost of groceries and housing keeps creeping up... but your employer need not cut you any slack, because you're just a number in one of their spreadsheets, serving a means to an end.
There are no laws that dictate companies must pay a livable wage; instead we are brutalized and battered by the free market, with nothing left but a steadily decreasing quality of life.
These are, of course, not covered by the Fair Credit Reporting Act, so nobody is required to tell you what's on your report or allow you to dispute it, nor do they even have to tell you they used the report in denying you an apartment.