It feels like when I'm trying to get a loan for a car and they won't give it to me because I haven't had a "steady job" for long enough, despite the fact I coul

It feels like when I'm trying to get a loan for a car and they won't give it to me because I haven't had a "steady job" for long enough, despite the fact I could buy it in cash with money for my side gigs, or put the whole thing on credit cards if I wanted to. It's two institutions whose values just don't jive. Part of the problem is that banks often have to build their models off of data that isn't sufficiently granular. For example, most banks don't have the ability to distinguish between someone who misses a utility payment because they're absent-minded vs. someone who misses a payment because they're short on cash. Regulations compound the difficulty to some extent, but it's really primarily a data/technology problem at this point.