I know nothing directly about American credit scores, but I’ve always thought that it actually makes sense (in a capitalist society trying to make a profit) to give higher scores (and thus more loans with less risk) to those most likely to end up overpaying. So taking loans, paying interest on them, and always paying the minimum to lengthen the time that you provide profits to the creditor is the best way to max score.
This makes perfect sense. The fact that this score is used to distribute resources instead of just calculating likelihood of paying back/likelihood of profit is what makes this huge contradiction arise. But the scores make perfect sense for being bad when you are “responsible”. The score is how profitable it is to loan you money.
Probably the redditor answer but anything based in the Avatar The Last Airbender universe. Like a rogue-like to make it not immediately overpower-y to be the Avatar. Think Hades. Like imagine basically Speedrunning as the Avatar and trying to take down some powerful Anti-Avatar god. Make it really feel fulfilling to learn the methods so that you can use powers aside from your starting base tribe and end up a fuckin lava/flying after dozens of hours of playtime. Fuck that’d be cool. It’d give some good reasons for some cool “recurrence” themes too of enemies from different nations coming to power and needing overthrown and how the grunts would look.
I’m ranting but I’ve wanted something like this for a while, and after playing Hades, the formula just seems perfect