I wonder if we are looking at the motivation for such a scheme backwards. The 2008 Banking disaster happened because banks were happy to give out tons of loans

I wonder if we are looking at the motivation for such a scheme backwards. The 2008 Banking disaster happened because banks were happy to give out tons of loans to people who couldn't pay them back. The response was to tighten various parameters that should have made it harder for banks to give out bad loans. I wonder if this is a way to break out of those handcuffs and allow banks to go back to giving out more loans. "Yeah this person has a terrible credit score, but look at their browsing history. They are looking at healthy diets, they are comparing prices and shopping cheap - all signs of a responsible adult. Why should we deny this upstanding member of the society access to credit and help them become homeowners?" Update: Thinking about it some more, looking at browsing history is a fantastic way to identify vulnerable members of the society who can be talked into signing themselves up for new loans. History shows that bankers have loved to do this.