In principle I agree with what you are saying. We have to be a bit careful, however, since past financial history may have itself been biased by prejudice, e.g.

In principle I agree with what you are saying. We have to be a bit careful, however, since past financial history may have itself been biased by prejudice, e.g., if you were unfairly denied a job based on your race. Of course, we sometimes have to draw the line somewhere, and personally I agree that using previous financial behavior probably is fair.