Credit score is based on things which nominally correlate with financial trustworthiness (or something like that).
This is a very big improvement over a system where loans are denied because a racist bank employee doesn't like you. It is definitely not a perfect system, and we should definitely strive to make it better, but the concept isn't (IMHO) a bad one.
Also, as others pointed out, personal and national debt are...different.
The government doesn't give you a credit score, 3 for-profit companies give you a credit score. In fact, a government issued credit score would be an improvement, they would report it for free instead of charging you if you check more than once a year. It would force more transparency into the financial sector and would undermine the 3 companies. If it ever comes up on the ballot (it won't), you should vote for it.
