Easy.
It's a scam to screw over anyone they feel like.
It stopped being a can the applicant afford their current outgoings and afford this loan type system a loooong time ago. Now it's a noose round the neck of anyone that has ever lost a job and missed a couple of payments or got screwed over by a company changing billing software. The number means nothing, I'm sure on some kind of grading curve it averages out but so would throwing darts at a board and assigning scores that way.
The rich fail up and everyone else has to play by the rules or get fucked over.
I'm going with that TV only has a coax aerial connector and whatever they are using to convert the signal is not great. Add to that the reflections on the glass and it looks crappy.
Borderlands 2
Left4Dead 2
Destiny 2
Zombies Ate my Neighbours (SNES)
Pokémon (ZA has me at the moment but I'd say keep Omega Ruby/Alpha Sapphire)
CO-OP shooters with single player elements are what I'd play more than anything else to avoid it being the same thing over and over, Destiny has hit hard times recently but still has a lot to give.
ZAMN is just cool.
I can lose hours shiny hunting and mucking about in the Pokémon games so easily has to be one around.
I never really swapped gear during a strike or nightfall myself unless you suddenly hit a wave of enemies with shields of a certain type and want to make your life easier.
It's another way to make things artificially a bit harder or at least take longer to keep us "engaged" or something.
Is that at all or just sad tears?