Simple: the earth produces a fuck tonne less food for like half the year, requiring some kind of strategy to handle the fact you have lots of food half the time and like no food the other half.
We took the “stash it in a special spot” approach.
But how do we stop other us’s from stealing our stashes?
Strength in numbers, ape strong together. We form villages.
As we grow, we need leadership, mechanisms to keep track of each other, protect each other, and rules with how to fairly treat bad actors.
Laws, democracy, judicial systems come into play.
Oh shit, other village has cool shit. They want our cool shit. Trade? Trade! Commerce comes into play.
How do we keep track of people that are reliable to trade with and can be trusted across Trade networks?
Credit. Village A vouches on behalf of Trader, they have Credability, you can trust them.
Many villages create a unified system to describe this trust in a metric…
Thus: credit score.
In other words you have a credit score because of the way the earth makes food (that is to say, about half the time)
I’d place a lot less of the cause of credit scores on the Earth’s seasons than you, but this does make me wonder what the economic systems would look like on a habitable planet with no seasons, with year round stable temperatures/humidity/etc.
Simple: the earth produces a fuck tonne less food for like half the year, requiring some kind of strategy to handle the fact you have lots of food half the time and like no food the other half.
We took the “stash it in a special spot” approach.
But how do we stop other us’s from stealing our stashes?
Strength in numbers, ape strong together. We form villages.
As we grow, we need leadership, mechanisms to keep track of each other, protect each other, and rules with how to fairly treat bad actors.
Laws, democracy, judicial systems come into play.
Oh shit, other village has cool shit. They want our cool shit. Trade? Trade! Commerce comes into play.
How do we keep track of people that are reliable to trade with and can be trusted across Trade networks?
Credit. Village A vouches on behalf of Trader, they have Credability, you can trust them.
Many villages create a unified system to describe this trust in a metric…
Thus: credit score.
In other words you have a credit score because of the way the earth makes food (that is to say, about half the time)
Actually credit scores came about in the 1700-1800s but were turned into their modern design in the 1980s.
So just a little bit later than when you’re describing.
I’d place a lot less of the cause of credit scores on the Earth’s seasons than you, but this does make me wonder what the economic systems would look like on a habitable planet with no seasons, with year round stable temperatures/humidity/etc.