1) What is more efficient than just giving the damned rice to the people who need it, no questions asked?
2) You act like the concept of a credit history is a GOOD thing. All credit does is open the door for you to be screwed by a bank. All while probably inflating prices because no-one has to have the cash to buy anything where otherwise items would have to be priced to what people could afford or they wouldnt sell (ex. Cars, Houses, etc.). Do you really thing $100,000 would be the cost of a relatively low end home if there were no loans? It has its good points, but it is way too abused and they are far outweighed by the bad ones.