Ironically this is what the American credit system was designed to avoid. Pre modern credit score, bank loans were given out based on things like “moral charact

Ironically this is what the American credit system was designed to avoid. Pre modern credit score, bank loans were given out based on things like “moral character”, the theory being that alcoholics shouldn’t get loans, but it turns out this has a high false negative rate. Most hurt were of course minorities. After the credit system access to credit exploded, whether for better or worse.