> What is your basis for saying it will be an utter catastrophe? Any of the other times when efforts were made to extend credit to people with bad credit score

> What is your basis for saying it will be an utter catastrophe? Any of the other times when efforts were made to extend credit to people with bad credit scores, and it ends up with indebted people being in worse debt. > Not so sure why you're down on doing good a do-gooder is someone who has a naive conviction of their own moral superiority and agency I'm saying there's people who, by never doubting their own agency & fallibility, force the unfortunate people they're trying to help into even worse misfortune.