You are thinking about this the wrong way… LOWER. YOUR. CREDIT. SCORE. The US is a nation for poor people now not wealthy people. So stop being wealthy, be poor and life is much easier.
Nothing will happen other than decline. The wealthy and mobile will simply leave the US and other western nations. Those jacking into the new monetary systems coming to the forefront now are going to be very wealthy and have far greater wealth and opportunities than those still hand-jobbing a nation-state that is certain to fail.
No… It doesn't. It means you take out the maximum debt possible and only make the minimum payments forever. Then you get rewarded with a high credit score (and can rent a car lol). Now, does having the maximum quantity of debt sound like financial responsibility?