It will cut down on the fake accounts created to promote certain individuals, markets etc.

I'm an accountant by trade.

This let's you hold all adults accountable in case of lease defaults. 

Foreign National programs sometimes require that you have US credit and most will want you to have a US-based bank account.

.$70,000 financed as a 30 yr mortgage with 7% interest.Monthly payment to repay $50K PML in 5 years: $966.64Monthly payments collected on 30 yr loan of $70K @7%: $465.71$20,000 in the bank account after transaction closed. 

Then they can go to the bank and deposit it into your account with the teller.

If they choose to stop paying rent later they are held accountable for that.

I learned how much an escrow account check matters to your overall mortgage payment.

Am I underwriting conservatively, accounting for higher interest rates, inflation, and potential market softening?

I learned how much an escrow account check matters to your overall mortgage payment.