I don’t think you made the comment you thought you made. If you’re caveating “everyone” to mean something other than every single person, you should state those caveats.

What makes all of this worse is that I didn't respond because I thought the other poster was claiming that people who can't afford rent won't get rented to, of course that's true.

I responded because there are people who CAN rent who will not be rented to (or will find it very difficult to) because they have little to no credit history, or have a bad credit history.

There are other issues I didn't mention, such as taking a landlord or property manager to court. That can absolutely get you black balled both locally and somewhat nationally and not because someone is maintaining a secret list that everyone is watching, but because a large number of landlords and property manages are farming out SaaS services for background checking to these services and a large part of that is checking public court records. In light of that environment, taking your landlord to court is going to have a major effect on your ability to rent in the future.

Basically, the other poster was just not right and whinging about HN guidelines doesn't change that.