> Why would banks want to trust ... It might be that the 3-way monopoly lobbied (bribed lawmakers) into legislating their business model as what is required. I

> Why would banks want to trust ... It might be that the 3-way monopoly lobbied (bribed lawmakers) into legislating their business model as what is required. I'm American and it's very much reviled, and very inadequate. I believe Intuit has been looking at alternative credit scoring though don't recall where I read that.