I generally reframe it from a perspective even they think they understand: Money.
Governments want their money. Less Population = Less Taxes for them to take, ergo, no government is trying to lower their population. And do they, the audience, think that the government is willing to have less money?
That and there have been companies that had good product, but then got bought out. Only afterwards, they reduce product quality to the point of being some of the worst on the market.
These vulture capitalists are hoping that the brand recognition of what was once a good product keeps the company afloat long enough for them to rot away and consume the company from the inside.
The only thing that can possibly affect your score in that sense is if you ONLY have a loan, no revolving credit, and you pay it off - now you have no credit utilization at all, which potentially could ding you a bit, but not much. That's also not very common - most people have several credit cards and few loans, if any.
Ah, that would happen to be my exact experience, oddly enough. I don't have any credit cards and payed off my car loan early because the bank was playing games with automatic payments.
Because their current competition, the USPS does so as a service that's paid for by your tax dollars.
Once that goes away, or is sold off, none of them have the incentive to continue to do so.
And in the end they will all eventually collude on raising the process for all of their services, just like every other 'not a monopoly' corporate collective.
I generally reframe it from a perspective even they think they understand: Money.
Governments want their money. Less Population = Less Taxes for them to take, ergo, no government is trying to lower their population. And do they, the audience, think that the government is willing to have less money?
I don't think so!