> Life-ruining? No, not at all. Not even close.

Indeed. Some privileged people confuse being denied opportunity (rightfully) with a life being "ruined". It's a telling behavior rooted in entitlement.

Those poors have to deal with this often, which is considered a "them" problem. Be it because of credit score, carried debt, criminal record, or loss of license, etc, as I have seen and experienced.