In my country, you can borrow small amounts, or can have a credit card. That way, if you get a credit card, and you pay it every month, then you gain credit score, the more you spend and pay back, the more credit score you get, it's consistency that matters too. After a while, they give you a chance to get bigger and bigger loans. Today, I can somehow get nearly 30k dollars worth of loan if I want, and I would have to pay back about roughly 1k dollar per month for 3 years.

But to be fair, I can't pay 1k per month just on loans, that's my whole salary, so why would I get a loan like that lol. At the end of the day, it's just about the fact that you need to gain credit score, and wealthy can do that a lot easier because they have the money to pay it back.