[BobJS]

I left because I fell in love with building software and I hated debt collections.

The financial literacy angle is interesting but there's an even arguably more predatory industry around credit repair. People tend to stop caring about their credit until there's a life event like wanting to buy a house. Then they only care until the score hits 640.

Arguably Credit Karma uses credit scores and credit literacy as the hook which is probably a loss-leader because they need to pay for the scores.