Because clearly the borrowers are not the only ones capable of being untrustworthy and yet the trustworthiness of neither the lender nor the credit bureau is he

Because clearly the borrowers are not the only ones capable of being untrustworthy and yet the trustworthiness of neither the lender nor the credit bureau is held to account in this system. And this is related to the reality that individuals are at a distinct disadvantage for being largely unorganized and unable to bargain collectively, or else they probably would blackball bad lenders and credit bureaus for a history of untrustworthiness. But they can't; their only tool is the democratic process. We ought to ruin Equifax to the same degree any one of us would be ruined if we had been so careless.