This works for things like car insurance because most people aren’t driving secretly insured cars they don’t tell other insurers about, and because many of the

This works for things like car insurance because most people aren’t driving secretly insured cars they don’t tell other insurers about, and because many of the factors determining your car insurance rate are cited by the state. It could work for loans too, but it’d require creating a state agency which… well, I decided not to post that surely unpopular opinion.