No it shouldn't.
It's getting quite difficult to live in our society if someone isn't "perfect." Perfect credit, or virtually everything is more expensive, even non-credit stuff like insurance; perfect criminal history, so you can forget getting a job at a lot of companies if you smoked pot or, FSM-forbid, are released from jail; perfect banking history; perfect social media presence; and on and on.
The free market isn't willing to address this, so how do we do it as a group?