The best models may not have an easy to boil down explanation, like it may actually not exist, it's not just that it can't be found. The models are just elabora

The best models may not have an easy to boil down explanation, like it may actually not exist, it's not just that it can't be found. The models are just elaborate empirical observations that certain things together are common in people who don't pay back and other certain things together are common in people who do. But there may be no feature that is purely good or purely bad, it may always depend on the whole combination. These kinds of requirements will just lead to technical theater.