Credit history

If credit history is so important to get loan for individuals and is very very important when you have to avail loan again and again?

Then how are banks or businesses defaulting. 

How are some companies availing loans again and again despite being in loss or their balance sheet being negative? 

Please publish credit history scores of fortune 500 companies, rather all companies and their credit to savings or profit ratio. 

Economy is rotation of money, Tax (ideally taxes only focus on Governance, earnings through Governance) and revenues( Government officials don't focus on revenues or businesses as Governance would be compromised) are GDP and inflation directly reflects the corruption level, bribes, not being innovative or not being be able to add value to the society or Economy. 

Economy is rotation of money where money floats, then a loss in business is direct reflection of wrong decisions in the company ( probably!), no team work, external political factors and so on. 

What do we think or say about this idea?