[jomamaxx]

How do we know that skin-colour is not 'causative' to bad credit?

Are you really asking that question?

[ebfe]

Not skin color, but race, yes. We already know that there are genes that make certain races predisposed to certain types of behavior. [1] How do we know that no similar genes exist that influence creditworthy behavior?

1. https://en.wikipedia.org/wiki/Monoamine_oxidase_A