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The issue is that "fashion for minorities" is correlated with being a minority which is correlated with poverty which is correlated with high credit risk. This
by danielheath 6y ago
The issue is that "fashion for minorities" is correlated with being a minority which is correlated with poverty which is correlated with high credit risk.
This makes "buys fashion for minorities" quite an accurate predictor of high credit risk, but also a profoundly racist one.
- unishark 6y agoYes I got that. The question is whether simply discarding the overtly-race-based features from the data will be enough.