> no one has found a better way to measure loan risk. Or rather, that the system which measures loan risk is feasible only because the parasitical entities whi

> no one has found a better way to measure loan risk. Or rather, that the system which measures loan risk is feasible only because the parasitical entities which run it push the massive negative externalities onto the general population. If the loan risk system actually had to pay for all the harm it does, it would be a loser.