Very true. Especially if the approximation algorithms become well known, people can find ways around them. I wonder if some sort of game theory and/or randomi

Very true. Especially if the approximation algorithms become well known, people can find ways around them. I wonder if some sort of game theory and/or randomized algorithms can help... In any event, the root problem was still giving loans to people who shouldn't have gotten them. Regulation really needs to focus on that...