Passengers who save hundreds of dollars should get a credit boost for their demonstration of financial savvy. I'd sooner give a loan to that person than some reckless spender.
Credit isn't a measure of financial savvy. It's a measure of likelihood to repay debts. It may be financially savvy to strategically default, putting the two in conflict.
The credit system might have been initially about debt repayment, but there are several measures in store regarding "how valuable / revenue-generating is a customer".
And at times, these two principles may be in harmony, and at others, not so much.