Unfortunately, while that may be enough data for you as a (presumably) relatively affluent position, there are a _lot_ of people who aren't able to get loans today because they don't have that sort of history. For the subset of those people who would in fact be able to pay back loans, they have a ton to gain from improvements in credit score accuracy.

I had a friend at a startup trying to close some of that gap by reporting one-time rent payments to credit agencies, and the sheer scale of benefits they were trying to bring their users is hard to overstate.

I guess my point here is that there are in fact large portions of the population that are not well served by credit scores today, and just because you are not among them doesn't mean they don't exist.