What did people do before their life was based on their FICO score?

why is everything you do based on some rating system created by god knows who! dont you find this kind of sick. please tell me why credit card companys extend credit to people who they know cant afford one. what did you have to do in the old days to get a loan for stuff? why cant we get a job with little or no credit if we are qualified? please answer these with all seriousness.