I feel guilty even owning a house because it’s gotten so bad
It’s not like prices are going to rise forever. Market cycles are natural. There will be a crash, and there will be cheaper homes once again, and as long as the government is competent, random businesses won’t buy them all with the intent to rent them out to potential homeowners.
Part of your credit score is also the present. It’s more than a bit predatory, but not having any current financial responsibilities looks bad. For example, if you have no loans whatsoever but paid back a bunch in the past, there’s little evidence saying you can currently pay them off. At least, that’s the theory of it.