Then you might as well say that in the first comment. In the U.S. banks certainly already look at your income to make sure you can afford to pay. Credit scores just measure willingness to pay. And before AutoPay became popular, they also measure whether a person can consistently take care of their own affairs and remember to pay.

Not sure what autopay is, here you usually give the lender permission to directly take the money from your account. It’s part of the contract.

That's essentially autopay (in effect). Autopay is a cron job for your bank account "Send 200$ to this lender every 15 days" or something similar.

We have those too, but that's not exactly the same. Say you have a mortgage with a variable interest rate. A repeated scheduled transaction won't work because the amount can be different each month. Same goes for things like energy bills if you have a flex-contract where you pay the actual amount used each month. In my case they will just take whatever amount is due out of my bank account each month.