Yep. This is a terrible way to judge someone's creditworthiness IMO
Drug abusers, recent criminal record, age, salary, occupation, job stability or lack thereof, employment history, child/family support obligations, high interest rates being charged on a particular credit card or other account, military service, paying taxes in a timely manner, civil and/or public servants are not taken into consideration in today’s current credit model as to whether or not one can be trusted.
And to make matters worse, your income has nothing to do with your credit score. It is not reported to the credit bureaus or listed on your credit report.