I make decent money but have no credit history because I've always paid cash, and now I can't get approved for an apartment or car loan and feel like I'm being punished for being responsible.
More people experience this than they realize.
The paradox of exclusion through prudence reveals how institutional systems can penalize the very behaviors they claim to reward.
“Where Are You with Financial inclusion and the unbanked?”
If this sounds familiar, the Library can help you find the bigger picture.