[caramelcustard]

We have mortgages and credit scores because the aformentioned humanity more often than not lacks the responsibility to assess both the financial capabilities of those who borrow the money and the evaluation capabilities of those who lend.

[hcrean]

This is a late stage cause. There are also many early stage causes.

[caramelcustard]

"Shepherds, Merchants, and Credit: Some Observations on Lending Practices in Ur III Mesopotamia" https://www.jstor.org/stable/25165020

Late stage, huh?

[crygin]

How long do you think that humans have existed?

[caramelcustard]

Depends on what humans we're talking about. 200k years, if we talk Homo Sapiens.