You missed the point. In the original loan example, the lender may want to screw you, but they also know that the one that screws you least is the one you will

You missed the point. In the original loan example, the lender may want to screw you, but they also know that the one that screws you least is the one you will do business with. And your good character, as determined by omnipresent surveillance, allows them to safely offer you a better deal. It's like the "good student" etc discounts that car insurance gives now.