To OP: This is not a crypto issue, and many of us not obsessed with the subject like me will get annoyed to see it being brought up.

You speak true of the subject matter, however. Except for Klarna, I had good credit (the last time I applied, score FICO was 720 with strong payment history (no negatives, a decade of history of good credit, near and/or zero balances, and a quarter million of personal income) and they wouldn't lend me a dime (I asked for like $100 or something...literally could not be bothered to find my wallet, get my card out, and find the 3 digit number on the back...I also figured it'd be neat to have a new line of credit). I suspect they have some other odd model for tracking you, and if they can't, they reject, so it is likely not as bad as you think.

It's probably much worse. ;)