App Idea: Zero deposit house rental platform ( need feedback)

I saw a huge deposit needed to rent a house in urban Indian cities and there are many cases of not refunding the deposit fully App idea: How about an app where you can rent a house without any security deposit money if you have a good credit score (let's say 750+) Problems we will solve: 1. Our platform with pay the landlord rent on time. 2. The tenant will have a due date to pay (let's say 5th pf every month) 3. We will also provide rent insurance, so if u become sick or jobless suddenly u can claim. 4. If u don't pay within time without any valid reason. It will affect ur credit score and we can send u a notice and delist from using the platform. Need feedback on this...is this a real problem u guys are facing and if this the solution we need or any other feedbacks are welcome