> Of course that won't happen because regulatory capture, but let's not wring our hands and pretend that this is a fundamentally difficult problem. It's not. R

> Of course that won't happen because regulatory capture, but let's not wring our hands and pretend that this is a fundamentally difficult problem. It's not. Regulatory capture is a huge issue, it is difficult to solve, it is the real mother-issue of many other issues (like this one, you argue), and is fundamental to modern governance. Credit scoring is transitively a fundamentally difficult problem.