I’m human, and I’m speaking on the issues of self discovery, a progress path we can all share as people learning who they are, so maybe you shouldn’t assume I’m stepping where I have no ground.
As for being told something made me gay, I have been. I’ve been told it was sexual assault (that did not occur) when I was young. I’ve been told it was the media and my friends. I’ve had those experiences, and yes, I know that we’re born that way now but I did not always have the space to make that discovery. I lived a life where I thought there had to be a reason because I thought it was a negative quality in myself. I hated it because I grew up around others who hated it. Insults behind closed doors, threats of violence and hate, and I agree with you that if they believed it was the reason they discovered their identity, they have more to learn. That does not mean they have learned it.
Could be a choice to reflect the distribution of different scores. I can’t imagine credit scores are a very linear distribution.