3 ms·
> if you're worried about feedback loops, maybe don't lend based on any criteria other than the best possible estimate of ability to pay the loan back. That is
by jhayward 8y ago
> if you're worried about feedback loops, maybe don't lend based on any criteria other than the best possible estimate of ability to pay the loan back.
That is itself the tightest of feedback loops, because the best estimator is either current wealth, or past performance of loans. It is massively exclusionary so I don't think your point is very well made.