[pjdesno]

Look at the mortgage and credit card markets.

Most lenders don't discriminate via pricing - they accept or deny individual applications. The market discriminates via pricing, as higher-cost providers are willing to loan to customers who pose more significant credit risks.

[efitz]

Mortgage market works as you describe.

Credit card market works very differently - if Visa and Mastercard debank you, then you are effectively excluded from the market.