Something tells me that increasing the credit score and encouraging more debt financing of people struggling to pay a $500 medical bill may have some unintended consequences.
There is no law requiring the extending of credit to people whose income streams don't support it nor incentive for folks to take such loans on while credit scores can be used to deny folks housing, loans for cars that are increasingly unaffordable to buy outright even used, and jobs or charge them much more for homes/cars over the life of the loan.
I'm going to go out on a limb and suggest the downside is trivially avoidable by either side and the upsides could be substantial for many folks.
