Yes a bad credit score could stop you from having access to things in emergencies, yes it could stop you from having access to things that are important in life, but there are a lot of extra steps and special circumstances that have to occur before a bad credit score is directly responsible for your fridge being empty. Most of those conditions involve simply not having money to access in the first place, and very few of them are going to be as sudden and immediately effective as a freeze on your bank account.
Needing access to financial services to handle a possible emergency is all well and good, but lacking that support structure absolutely pales in comparison to simply being forbidden from conducting commerce of any kind. No emergency needed, savings are irrelevant, the only preparation that could help you is a mattress full of cash and that’s definitely neither a good solution nor a long lasting one. People live their lives every day with bad credit scores, it sucks but it’s doable. Freezing what assets they have would make an immediate and decidedly negative impact well beyond the inability to get a loan. Thinking that credit scores are worse because they’re not a hypothetical future problem is like saying a stubbed toe is worse than getting shot, because you haven’t gotten shot yet.
That’s why my credit score went down when I paid off my student loans, right? Get the fuck outta here.