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Your opening statement alone required the downvote I needed to give you. You have no idea what people have been through. The circumstances that may end them up

Your opening statement alone required the downvote I needed to give you. You have no idea what people have been through. The circumstances that may end them up with a poor credit score have little to do with how responsible or diligent that person is. Have some understanding. Not shocked your post has garnered more downvotes than mine.

dcolkitt 7y ago
> The circumstances that may end them up with a poor credit score have little to do with how responsible or diligent that person is. And yet, very few people support the abolition of financial credit scores. Or support expunging people's criminal records after they're done serving time. Or oppose the existence of sex offender registries. Or believe that restaurants should not be able to turn away someone on the basis of "no shoes, no shirt, no service". All of those things are ways that social institutions flatten people out into making quick, and often rough, decisions about people. All are subject to the very same criticism you raise. Their are all sorts of exigent circumstances that might make someone wind up with bad credit, or a criminal history, or on a sex offender registry, or without clean clothes for the day. Yet we as society accept a wide variety of surface level decisions about the human beings around it. We accept that the inevitability of false positives, because the overall gains of being able to easily segment people into social classes makes society as a whole more pleasant for everyone. At the end of the day, it's simply a matter of utilitarian calculus. If anything, a social credit score for the homeless is less unjust than any the above. Because there's no element of coercion to it. Ir wouldn't be used for any official institutional purposes, it's simply a way for users to quickly gather more information about the homeless people they're interacting with. I'm genuinely curious would you bite that bullet. Should we ban credit scores, and permanent criminal records, and sex offender registries, and dress/hygeine codes on the same basis that you oppose social credit scores for the homeless.
Chris2048 7y ago
> The circumstances that may end them up with a poor credit score have little to do with how responsible or diligent that person is How, exactly?
- lostgame 7y ago
  Glad you’ve never been through the depths of depression, trauma or accidents that would allow you to understand how difficult it is to hold your life together for. I envy you. Ignorance is absolutely bliss.
  - Chris2048 7y ago
    so by "responsible or diligent that person is", you mean personality wise? A person that doesn't pay their bills due to depression is still not acting responsibly.

dcolkitt 7y ago

> The circumstances that may end them up with a poor credit score have little to do with how responsible or diligent that person is. And yet, very few people support the abolition of financial credit scores. Or support expunging people's criminal records after they're done serving time. Or oppose the existence of sex offender registries. Or believe that restaurants should not be able to turn away someone on the basis of "no shoes, no shirt, no service". All of those things are ways that social institutions flatten people out into making quick, and often rough, decisions about people. All are subject to the very same criticism you raise. Their are all sorts of exigent circumstances that might make someone wind up with bad credit, or a criminal history, or on a sex offender registry, or without clean clothes for the day. Yet we as society accept a wide variety of surface level decisions about the human beings around it. We accept that the inevitability of false positives, because the overall gains of being able to easily segment people into social classes makes society as a whole more pleasant for everyone. At the end of the day, it's simply a matter of utilitarian calculus. If anything, a social credit score for the homeless is less unjust than any the above. Because there's no element of coercion to it. Ir wouldn't be used for any official institutional purposes, it's simply a way for users to quickly gather more information about the homeless people they're interacting with. I'm genuinely curious would you bite that bullet. Should we ban credit scores, and permanent criminal records, and sex offender registries, and dress/hygeine codes on the same basis that you oppose social credit scores for the homeless.

Chris2048 7y ago

> The circumstances that may end them up with a poor credit score have little to do with how responsible or diligent that person is How, exactly?

lostgame 7y ago
Glad you’ve never been through the depths of depression, trauma or accidents that would allow you to understand how difficult it is to hold your life together for. I envy you. Ignorance is absolutely bliss.
- Chris2048 7y ago
  so by "responsible or diligent that person is", you mean personality wise? A person that doesn't pay their bills due to depression is still not acting responsibly.