I told a friend about my beliefs concerning the American system of the credit reporting agency and she told me I am paranoid and self righteous. She is not the first person who has labeled me as paranoid and so now I am worried that I might have a mental illness. I will explain my belief and you be the judge.
I told my friend that it isn't right that my character is judged by what some third party credit reporting agency says about me. My boyfriend cannot even get a place to live on his own just because he "has no credit score". I told my friend I think this is ridiculous and a way to control society based on what some abstract entity such as the credit report says about me and everyone else. Also there are ads on tv encouraging people to be afraid of "losing their financial identity" and pay to check on it which they wouldn't have in the first place if it wasn't for this system of societal values.

Am I being paranoid? Do I have a mental illness? Please help.