I still don't understand. Of course getting a judge to take it out of your paycheck is possible in America too. But preferably before a bank loans you money, they want to determine whether they can rely on you paying back on your own or whether there's a high likelihood they will get a judge involved? What if the bank doesn't want the hassle of involving a judge? How do you even measure the probability of needing to get a judge involved? Then it's back to credit scores.
Obviously it’s a last resort. The point is that someone who can afford to pay and doesn’t is very uncommon as this would cause a lot of trouble for the person in question.
Then you might as well say that in the first comment. In the U.S. banks certainly already look at your income to make sure you can afford to pay. Credit scores just measure willingness to pay. And before AutoPay became popular, they also measure whether a person can consistently take care of their own affairs and remember to pay.
We have those too, but that's not exactly the same. Say you have a mortgage with a variable interest rate. A repeated scheduled transaction won't work because the amount can be different each month. Same goes for things like energy bills if you have a flex-contract where you pay the actual amount used each month. In my case they will just take whatever amount is due out of my bank account each month.
