6 points
It’s not really a game, more of an exploit.
But most people won’t need to do that any way, it’s overkill for like 99% of people.
If you have a credit card that you use and pay off regularly, a couple of paid off car loans or something like that and no overdue bills on your history, you’ll be absolutely fine.
2 points
Eh.
Exploits A) often benefit the player by letting them skip a lot of work with big rewards, and B) usually get fixed real fast.
Now if doing this meant you never had to work a job in your life again and you could get actually make significant income, sure, I’d consider it an exploit.
I can’t agree with you on this.