>"If the gov't could discriminate on who it loans to for risk assessment then that's a different story. " If they could, they wouldn't be allowed to. As soon a

>"If the gov't could discriminate on who it loans to for risk assessment then that's a different story. " If they could, they wouldn't be allowed to. As soon as a hint of racial/sexual/anything disparity is shown in who is getting the loans, there would be a massive uproar to "incentivise" the non-proportionately-represented class with loans. Then you're back to square one, as the loan process is then "not" to be used as a corrective measure for society's ills.