Yes, but living within your means does absolutely nothing to shed light on the black box that is credit scoring. It's an irrelevant comment.
If you're trying to say that you should avoid credit altogether, that's a terrible idea... Unless you plan on not getting a mortgage and paying for your home in cash. In which case your personal financial situation might not be representative of the average / median Joe.
If you build a robust budget and spend within that, you will have an 800 score. Do that. Do it intentionally.
Credit agencies evaluate risk, so even if you can stomach that $1200/mo car payment on your $50k/yr job. You are gonna take a hit for making a stupid financial decision, because even if you make those payments, you are almost certainly teetering on the edge to do it. (never mind that your score was probably already bad given the thought process to take on that loan).
Banks don't want to loan to people who are lucky and always somehow pull it out. They want to loan to people who are smart and reliable. Credit agencies try to filter for that.
Credit scores aren't a black box. The components are in the credit report and are pretty straightforward.
Also, it's not actually true that everyone uses credit scores. More recently companies use custom risk models because they see this as a competitive advantage. (Especially the afterpay companies like Klarna don't use them.)
If you're trying to say that you should avoid credit altogether, that's a terrible idea... Unless you plan on not getting a mortgage and paying for your home in cash. In which case your personal financial situation might not be representative of the average / median Joe.