> So, I don't think you're wrong, but maybe consider if what we're socializing the cost of is worth the price? But you do not socialize the cost, you just move

> So, I don't think you're wrong, but maybe consider if what we're socializing the cost of is worth the price? But you do not socialize the cost, you just move it on someone else. For example, we have two people A, B, with risk-assessing algorithm risk1 gives risk1(A) = 3.3, risk1(B) = 2.9. Risk limit for creditors is 3, so person A would not get credit. But risk1() uses same forbidden information, so we use instead less informed risk2() that got risk2(A) = 2.9, while risk2(B) = 3.1, so now person A would get credit, but person B would not.