I think that this would essentially mean that Uber has to be a shrewder lender. Uber must know how much drivers usually make, and when a car payment would make

I think that this would essentially mean that Uber has to be a shrewder lender. Uber must know how much drivers usually make, and when a car payment would make it difficult to live, especially based on region. The solution to Uber being a bad lender and encouraging this "perception of indentured servitude" is to disallow some people who already have money problems or are buying too expensive of a car from participating. Which is an okay decision for them to make. But it does feel like they're taking some nanny-responsibilty for people who ought to be able to make their own financial decision? And they would absolutely be disqualifying some responsible people who could have made it work.