[SkyBelow]

>Such a system can't be built without being unfairly biased against some people who don't fit a certain mold, and thus it should be illegal.

Where is the difference between this and any other time where a choice to offer a contract or not occurs? If you are hiring, no matter your interview process, you are looking for a certain mold and good workers who don't fit that mold will be discriminated against. When renting, same thing. When picking a contractor to do a job, same thing.

>Your ability to obtain credit is based on the past several years of income, with a penalty for instances over the past ~7 years in which you didn't pay back debts.

Which is still a certain mold predicting future performance based on past behavior. What about someone who has had poor income and many poor payments but who has just turned their life around and will have great income and be payable and willing to pay off any future debts. You are still discriminating against them because most people with a similar history won't have a similar positive outcome.