Credit scores are universally hated but they make it possible to offer lower interest rates to more people. Without credit scores, fewer people would have access to credit.

Similarly, people often don't like it when insurers track and score their driving. However, this allows insurers to offer lower insurance fees to more people by _not_ offering lower insurance fees (or instead charging higher fees) to people that are driving in a risky manner. This does of course assume a competitive market for insurance but I think in most countries that's a reasonable assumption.

There's nothing fairer than user-pays, especially when users can choose to pay less by changing their behavior.