I am pretty familiar with the idea and conceptually I am a proponent for it but the question becomes who pays for the hosting of your data, what's the incentive

I am pretty familiar with the idea and conceptually I am a proponent for it but the question becomes who pays for the hosting of your data, what's the incentives to get me to store it and for others to use only the data that I have? I am also sceptic with regards to corporations having the data but government owning it doesn't make it much better. In Denmark you mostly need to get access to one place in the system and you potentially have access to the data across the different verticals, Danish system is also SSN based. The biggest problem though is what is the alternative to a credit bureau system?