Especially after Equifax, I'm a big believer that one of two things needs to happen when it comes to the kinds of databases that are used to decide whether peop

Especially after Equifax, I'm a big believer that one of two things needs to happen when it comes to the kinds of databases that are used to decide whether people have access to critical things like housing and credit: 1. The government takes them over and runs them 2. The companies' high-level execs automatically have personal liability for mistakes when they accept the job Since the latter is unlikely to ever happen, it's pretty clear to me that these kinds of things shouldn't be permitted to be handled by private enterprise (and I very much lean libertarian and believe that private companies are better than the government at most things most of the time). Capitalism is great, but it just doesn't work when there are human rights considerations (and I would say access to housing very much qualifies).