The Credit Crunch Effects

It took me about 4 years to build up the credit I currently have. The good credit score opened up possibilities to grab best rates and rewards out there in the market. Now it seems like these days of easy credit are gone. Other people's debts force creditors to tighten qualifying standards and raise rates for creditworthy customers. I've recently tried to apply for discover open road card to save on gas but my score was rated as less than perfect. It's not funny at all as it reflects in my credit report hurting my rating even more. I don't see why responsible people should pay for others' mistakes but if we don't how will the country pay off its huge debts?