credit scores reflect default risk to the lender, at least in theory. it might not be the best possible model but people with a history of paying on time will p

credit scores reflect default risk to the lender, at least in theory. it might not be the best possible model but people with a history of paying on time will probably keep doing it. in retail the only risk is stealing or bad behavior inside the store, and there is no way to estimate that risk for an individual person who never had an incident before. all a store can do is use population models that are effectively open race/sex/ethnic/wealth discrimination, as in "Black customers steal more on average so we charge them more to compensate" or "East Asian women are willing to spend more on cosmetics so we raise the price for them". if you believe that should be legal then you support the most harmful form of racism that exist today.