A actual state-run system has at least some legal accountability. When a politician gets a loan denied due to bogus data, I'm sure heads would fly. It's proba

A actual state-run system has at least some legal accountability. When a politician gets a loan denied due to bogus data, I'm sure heads would fly. It's probably also subject to whatever their equivalent to FOIA and whistleblowing laws are over there. The private sector gives us the worst of everything: it's an obnoxious panopticon, PLUS being incentivized to be untransparent and seek out eternal growth.