Credit Discrimination - Why do WE allow this?

So let me get this straight. An automobile insurance company can use your credit score to determine your premium. A homeowners insurance company can pull up your credit history and determine that you may in fact pay more than your neighbor because of some credit issues you've had in the past. Before I go on, I'd like to point out that I do not have any credit problems, but after reading a few articles on it, I'm disturbed.

I would very much like to see true scientific proof that there is any relationship between consumer credit histories and their likelihood of filing more claims that would justify the higher premiums. My guess is that this doesn't exist. To me, this is yet another way for big business to ensure they can improve their bottom line by gouging the consumer in any way imaginable.

Now I have no problem with companies using credit history as a determinant for say... oh, I don't know, maybe a loan? But this is outrageous people! The government very clearly tells me that in order to drive, that I MUST carry automobile insurance. This is logical and I clearly understand why. So now, though indirectly, the government is telling me that the cost of me driving will be determined by my credit score. Nobody will ask if I've had major medical bills because if have no health insurance. They don't care. All they want is your money.

This is crazy! Congress needs to revisit this concept of using credit scores for every imaginable thing. But hey, we allow this right? We elect these people that create the laws that allow consumers to get screwed. It's up to us to change this! And those of us who do business with companies that use credit to determine premiums are supporting this! Please stop!