Credit Check, for an ice cream cone?

I know your checking my credit is important for the bank before they issue me a loan. I can even understand a credit check on things like phone service and electricity. What I don't understand is why everyone everywhere wants to check my credit!
Take my car insurance, why do they check my credit? I pay my car insurance before they issue service, not after. They don't cover my car for a month and then let me pay later. If I have a wreck, and I can't pay the deductable then I just can't get my car fixed, end of story.
How about a job. What study is everyone using to back up that people with bad credit are more likely to steal or make bad employees.
I was given this example, if your car is about to be repossessed then you are likely to steal to keep the car. 
This is crazy for several reasons:
If I was likely to steal to keep my car I would have stolen a long time ago so I wasn't about to get it repossesed.
It is about to get repossesed because I don't have a JOB! You won't give me a job because I can't pay my bills, I can't pay my bills because I can't get a job!  I am forced to take lesser paying jobs because they don't check credit. Now I have a job and STILL can't pay my bills. GEEZ!
This is a form of slavery!
Last time I looked for a job I had 20 employeers check my credit, 20! Do you have any idea what that does to my credit score. Every ping and check makes me a less likely possible hire. Really now, aren't you just prying into our personal lives. This is a job, not a counsiling session.
How about looking for an apartment. There needs to be a housing credit section.
There have been times that I have been late on a bill so that I could pay my rent in full, on time. I have never been late on my rent.
But you are going to deny me rent because I was late on my electric bill? Shouldn't you see that as my rent payment is more important than anything else?
I think people see credit as a way to judge the qualities of the person.
But it only tells what loans you have and when you are late on the phone bill.
When is the last time you had your on time utilities payments logged on your credit report?
I think that if they can report the negetive they should have to report the possitive.
That one late cable payment won't look so bad next to the 11 other on time payments this year.
 So who's with me?
My next job I'm telling them my credit score is private and they can decide to hire me based on all the info in my resume. Just like they did 10 years ago.
Next time I sign up for car insurance thay can have my dl # and my driving record, that's it!
Credit Check to get an appartment, I don't think so, call my former landlords!
My ss# is for social security, and my loan company, no one else.