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.
Cycling? Great, increased funding for infrastructure and increased general awareness. Amateur radio? Lower prices for rigs, innovation, and more contacts to be made.
If your interest in a hobby is based on its exclusivity, it may be that you’re more interested in exclusively than in the hobby itself…