The only reason we don’t take race as a factor in credit scores is because it is illegal, not because it wouldn’t lead to more optimized outcomes. If members o

The only reason we don’t take race as a factor in credit scores is because it is illegal, not because it wouldn’t lead to more optimized outcomes. If members of a certain race consistently don’t pay debts in a way that is statistically significant, then it would be prudent to lend to them at higher interest rates due to perceived risk. Sounds racist, but reality has no obligation to conform to our ideas of racial equality. Races can develop habits and cultures amongst themselves that produce certain emergent behaviors. I think arguing against this just makes you seem naive. In the above example, you are more than welcome to ignore race and lend money to everyone at the same interest rate regardless of race, but I predict you will see worse returns. Reality is what still exists even if you close your eyes and ignore the data.