One Thought About Credit Card Score

Everyone knows that age is important for getting good credit score. The best age is 25-35. I can understand why. People in this age group have already achieved something professionally and financially. They are mature and have experience in perosnla finance management. On the other hand, they are still young, have fewer medical problems.
The funniest part is that people over 62 get the same credit score as those inbetween 25 and 35. It is requierd by he Equal Credit Opportunity Act (ECOA) to protect the elderly from discrimination. Are banks really so eager to give credit to people over 62? What about someone who is 90?