In a world where over 50% of the population still under the poverty levels, it’s important for a lot of people to find a way to get out of the shity hole. Doing credit is something that speed up the process and also risky for who, like many, has not financial education nor guidance to enter a journey like that. But as @DarthCoin mentioned, hard work and patience are probably the best tools everyone has and it’s free to use at any time, with no risk involved.