And it’s not just Americans either. At least in Germany we’ve got credit agencies that rate you with their secret algorithms. Got a bad score? Sucks for you! I don’t know about having to take out loans to improve it though. I think that does the opposite. I’m not an expert, correct me if I’m wrong.
While I somewhat agree, there are things even the best spam filters can’t filter and Zero-Day-CVEs that Sys-Admins can’t fix.
On the other hand, the company should be confident in their backups, which in most cases should allow for a continuation of their activities.