> Define righteous? Define immoral?

The point here was that credit scores do not only rate your own behavior, but also those of people around you. If your neighborhood is bad, your credit score might reflect that instead of your own performance as a debtor. And if your neighborhood becomes hip and gains a better reputation, your credit score might improve even though you're still the same person.

Could you send me something reflecting why you think credit scores are based on the neighborhood in which you reside?

I live in Germany, where the zip code is a strong factor into the credit score. Source e.g. https://www.welt.de/finanzen/verbraucher/article13255357/Wer...

Thank you. Yes, I agree, that's pretty unfair.

Capitalism sometimes rewards those who provide value, but more often than not has no problem rewarding people for spouting self-righteousness.

If you think that everyone who gets rewarded in a capitalist society do so because they provide value then you have to ask: What value do scam artists provide?

Depends on the scam.

I don't know any rich scam artists. I do know hundreds of wealthy technology professionals, however.

> no one really has a net worth one way or another when they are a child.

The net worth of one's parents makes quite a difference in practice.

That includes things like being born with a right of residence in a developed, stable country vs. in a refugee camp in a war-torn part of the world.