I once had a conversation with a couple friends of friends who did targeting for the credit card industry, figuring out which demographics to send cards to. The

I once had a conversation with a couple friends of friends who did targeting for the credit card industry, figuring out which demographics to send cards to. Their goal was to find people who paid responsibly and spent irresponsibly. If people who pay well weren't irresponsible enough in their spending, incentives would be provided. I'm sure this is even worse now with all the data and data-driven tools available.