| Do you have kids yourself? How much control do you ultimately have over them? How long should this metric haunt you? When hearing how US credit scoring works I do not think it is a system worth striving for. This quickly becomes analogue to another HN discussion today about job opportunities for felons. That is hard threshold - it is easier just to skip them. Should we let the market forces rule freely? If not totally free then how big a pooled risk is acceptable to you? A pool for those with kids and another for those without? I have no kids and personally I prefer one pool. Even with those unruly kids upstairs! When I see a society with gated communities I feel sorry for them. I live a place where we do not have them and I am grateful for that. They might be happier than me - but I do still not envy them. I often find people who argue fair pricing are the ones who think they are in the sweet spot. The example seems a little contrived as well. If Evans kid stains the wall he would fix it. If not - then it is when you have the deposit to mitigate that risk. I do however get the gist of it. And personally I like the pooled risk. I think that we do much better together than as individuals. The pricing might seem unfair but sometimes it in your direct favour. And the "insurance" feels nice too. Naturally it comes down to your own philosophy. So while I agree that it could give a variant of more accurately pricing I do not think that kind of "precision" is healthy. I am afraid that the privacy ship has sailed but I still think it is worth fighting as the current course have a high risk of a truly dystopian future. |