I have no problem with that though. Banks should try to predict the likelihood of people repaying loans. Giving out loans likely to fail is bad. For the economy

I have no problem with that though. Banks should try to predict the likelihood of people repaying loans. Giving out loans likely to fail is bad. For the economy, for everyone else taking out loans, and for the people loaning money. It's certainly much more accurate and much less biased than the old system of having a human determine your worth. Same with the IRS using prediction to spend less resources and perform fewer audits. Putting a number on someone isn't inherently evil. The old system had numbers too, they were just in people's heads instead of in a computer. And as I said, they were much less accurate and much more biased. China is trying to punish people with different political opinions or behaviors. The american system doesn't care what your political opinions are, just that you don't commit tax fraud and pay back your loans on time.