There are. Schneier has it wrong unfortunately (or at least, was misinformed). You can enter a room approved for classified information without a clearance, you just must be escorted by someone who does have one. I've been in such a room myself without a clearance. I imagine what you were told about a special hearing room for one of the congressional intelligence oversight committees was true then and is still true now.
There is an unfortunate amount of misinformation flying around and it really detracts from what might otherwise be a productive discussion. I hope Schneier takes a but more time to double check his assertions in his next post.
And you're blaming Schneier for his assertions?
So the fact that someone does not qualify for a security clearance says very little about them as a person.
If you missed a payment there is a section of the background paperwork you fill out proving information on it. It is very likely you would be denied if you left that section blank and had a missed payment, or if you changed jobs, or addresses very often and did not list all of them with proper references so they could verify them. But you will be denied basically because you lied not because of the missed payment or address changes.
It's true that many people are denied because of their finances, but it's not as cut and dry as you might think.
You also have to wonder what some of these people were thinking. That the DoD wouldn't notice you're on probation and a drug user?
"Applicant was born in Iran. He left Iran in 1985, was educated in the United States, married a native-born U.S. citizen, and became a U.S. citizen. He adopted an American name when he became a U.S. citizen, and he gave American names to his children. He has never returned to Iran. He held a public trust position for three years. His sister is a citizen and resident of Iran, but he has never visited her in Iran. His parents and two brothers are citizens and residents of the United States. His older brother held a security clearance for six years. Although his parents live in the United States, they spend about six months of each year visiting their daughter in Iran. Security concerns are mitigated by Applicant’s deep and longstanding relationships and loyalties in the United States. Clearance is granted. CASE NO: 12-11015.h1 "
"My guess is that because I am untrusted, I might plant a bug in the SCIF. So it's less that I'm not allowed in, and more that if I was allowed in they would have to re-SCIF the place."