Beware of lowering credit scores

I was talking with a friend yesterday and she told me a story that gave me pause. Apparently a woman’s line of credit was lowered because she was not using her credit card. This in turn lowered her credit score. In essence she was being penalized for saving her credit line for a rainy day. Her credit card company is trying to force her to use her credit. She is worried about losing her job and the state of the economy.

Of course I should be surprised but I’m not. Those greedy bastards will try anything to make a buck. My question is who is going to force these companies to start lending again. They seem to be saving all that government money they got for a rainy day. Who is going to penalize them?