[ralusek]

> The assumption is everyone considered for a loan has had a fair opportunity to reach the threshold to be approved

What? In what world is this assumption being made? Do we assume that every person was born into a stable household? That every person has the same IQ, the same height, looks, had the same lucky encounters with the right people whose needs intersected with their capabilities? There are countless dimensions along which people are not the same, why would you ever assume that whether or not someone gets a bank loan has taken into account every advantage or disadvantage they have been given?

A bank loan is a business transaction where the likelihood of you being able to pay back the loan at the prescribed interest rate is being determined based off of highly predictive features, that's it.

If you want to do corrective social justice, do it in a handful of places, and let the rest of the system operate off of sensible rules. Social justice cannot permeate every single decision made in our society, it is irreducibly complex even on a single decision.