FICO score HAH! I see it this way.. (could be right or wrong but its how I feel)
Your score does not tell how capable you are of paying a creditor but tells a creditor how well you pay your creditor. In other words... do you have history of paying interest. The more reliable you are at paying interest, the more valuable you are to them hence the higher score. So in essence we are paying a fee (interest payments) to get a higher score so that more creditors will want to offer us loans so that we can pay MORE interest.
^ not the most eloquently written response on this thread but....