You need a paradigm shift. What you think FICO is and what FICO actually is are not the same thing. FICO isn't changing anytime soon, so your only option is to change the way you think about it.
It does not measure how good you are with money.
It does not measure your wealth.
Well, first off, please drop the attitude. MF is a place to grow, learn, and help. Your first ever post here is a complaint written in all caps followed by a reply to me rife with attitude. Go to reddit if you want to take that approach.
But, if you want to actually learn and not just beach, then you will find a place here at MF. @Patient957 has already given you a lot of great things to think about. Be willing to learn and change.
Now, as to your question. FICO measures your ability to handle debt. That's it. Nothing more. By your own admission in your first post, you don't have any credit card debt and you don't pay any interest. It's really that simple. I had no credit cards and no loans for many, many years. I owned my home outright and had $70k in the bank to add an addition. Lowe's (Synchrony of all banks!) denied me a small credit line because I was unscorable. Let that sink in. Me, a guy who had done everything the right way for 25+ years and had cash in hand couldn't get a stinking Synchrony card. It's because I had no debt and they didn't know how I would handle it. I was a risk which means a low score.
Think about this: you have three credit cards and you pay them all off each month: you get penalized for all accounts reporting zero balance. You put $3000 on one and let it go a month: your score goes up. You pay off a car loan in full: your score goes down. You get another car loan: your score goes back up. Someone with a mortgage and a car loan will almost always score higher than me because I don't have that debt on my report. It's a measure of debt, not wealth. If you want a higher score, you have to have debt AND manage it well.
I get that you are frustrated. You seem to have the right approach in terms of managing your credit cards and that is probably the biggest obstacle to financial health. My advice is this: manage your finances in a responsible way while still learning how to manipulate things FICOwise in your favor. AZEO is a great place to start. Learn about the score penalties for new accounts, inquiries, more than half reporting, all zero, etc. My score went from unscorable to over 800 in about 2 years once I learned how the system really works. Instead of being frustrated, learn and grow.
By the way, welcome to the MF forum! I hope it helps you as much as it has helped a lot of us!
