Your argument is purely semantic and not really substantive unless you define what a “bad person” is. That’ll be different to everyone, so without a common operating definition of a “bad person” your point, while technically true, doesn’t really mean anything.

We keep saying “half of the nation” but he’s never won a popular vote. It’s a cognitive distortion

Credit scores are in part based on the oldest line of available credit, which for most people are their student loans. Pay those off, your oldest line of credit becomes something more recent, and your score goes down as a result

Threats of violence aren’t considered protected free speech. Here’s some more info for you https://www.thefire.org/research-learn/unprotected-speech-synopsis