I don’t want a smart (insert household device here) I want a dumb device that simply reports it’s status to and accepts commands from a computer. Put all the smart shit in one thing and control multiple devices from a single interface.
There is no reason why my oven or laundry machine needs enough computing power to land a man on the moon.
Worth pointing out that credit scores are completely detached from the government. They are entirely private industry, that is collecting and selling your financial info without your consent or opt in. If you were born before 2004, then they have also accidentally leaked literally all your personal info to the dark web, with literally 0 consequences.