The poor like hmoobrock don't need credit.
Need to buy something on a loan? Get a family member with good credit to stand in for you and you can pay all the monthly fees. Your family member gets good credit and you get the goods.
Even driving a car that is under your family member's name. As long as your name is on the insurance then you are ok to drive it.
Getting certain type of jobs? Yep, you still need decent credit to qualify for the hire. They not giving the company's vehicle or heavy machinery that is worth a bunch of money to some bozo who has bad credit. How are you going to work at a bank with bad credit?
So then, $10 per hour is your going rate.