The difference between equality under the law or equity under the law.
Equity is by definition relative. Equality is at least absolutely reasoned without the interference of relativity or subjectivity.
By what measure can a system of government be most fair and immune to corruption? The one where everyone has equal rights or the one one where some are “more equal” or “less equal” than others?
The label you are looking for is “duly convicted party,” per the 13th Amendment:
“Neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States, or any place subject to their jurisdiction.”
Categorically, definitionally, and historically wrong.
What you are you are referring to is the following: “ Article I, Section 8, Clause 1: The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States…”
First, “welfare” here means “the state of well being.”
Second, it is tied to the “United States” as a whole - not any given individual, especially because the Supreme Court has ruled the government has no duty to protect its citizens from harm (Deshaney v. Winnebago County Department of Social Services, 1989; and The Town of Castle Rock v. Gonzales, 2005).
Thus, if the Supreme Court has established that the government has no obligation to protect citizens from harm, it has no obligations to economically provide for citizens either. That’s called “charity” and it’s what churches have typically done by collecting revenue (tithing) from its congregants.
20th century governmental usurpation of charity by rebranding it as “welfare” is a distinctly modern concept, that also happens to be constitutional, insofar that the government collecting taxes to distribute benefits on a needs basis does not violate the Constitution, which is entirely different than being enumerated in the document itself, which you erroneously conflated.
In some ways it's even more expensive to remain "credit invisible" because of the security deposits now needed when you set up utilities, getting a mobile number, applying for an apartment rental, etc.
Building up a strong FICO score is the easiest thing with the exact mindset of OP with effectively the same amount of friction thanks to the "miracle" of autopay.