Consider the fact that conflating credit score to credit worthiness (respectfully, as your reply does) as the biggest indicator of the brokenness.
No, it doesn't. My reply was to a question that did that, and explicitly corrected it, identifying other factors considered in creditworthiness besides credit score.
Then why did it explicitly say that income was not considered in creditworthiness? The conflation of that with credit score was from this line in your comment: “Why then do we not take income into account in credit worthiness?” My response was directed at the error in the explicit premise of this question.
> Three credit bureaus purport to have a comprehensive opinion of someone's credit worthiness
No, they don't, which is why they also gather and provide, as separate products, payroll data and other data, and even credit decision platforms that incorporate income and other data. Credit score is a single product with a more limited function (both as advertised and as used by customers) than you are representing.
Current income, W2, working or not, all of this is a second factor, separately determined by the lender.
Web browsing habits are odd in either category.