[yummyfajitas]

I don't make testable predictions when I don't have the tools to make them.

You just admitted you don't have a theory (aka, the tool to make testable predictions).

Also, you haven't shown the math to be wrong. All you've done is speculated that if we start making bad loans to groups that are disproportionately likely to be deadbeats, they'll suddenly start paying back their loans. If you really believe that (I don't think you do) then go forth and earn your billions.