Well, to talk about that we first have to agree on a definition of "fair". This doesn't seem practical in a society with such a diversity of opinions on the sub

Well, to talk about that we first have to agree on a definition of "fair". This doesn't seem practical in a society with such a diversity of opinions on the subject as ours. The more important question is to what degree is it ethical to impose your definition of "fair" on others? I would say that there is no ethical basis for the sort of extreme imposition that's currently the status quo. If some groups wants to charge redheads more, it's their choice. If someone else sees that as a market inefficiency, they can start their own shop where they don't do that. Who cares if you or I think it's "fair"? Edit: My original point was, the more nuanced we can be about whom we decide to give credit to, which these sorts of techniques provide, the less someone will find themselves lumped into a group in which they don't belong, and the more deserving people will have access to credit.