my thoughts on usury: if you don't want to take out a loan, don't get one
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Replying to @bitemyapp
what if there are no loans available at fair interest rates?
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Replying to @danlistensto @bitemyapp
TBH what constitutes a "fair" interest rates depends on both who you are and what you are getting money for.
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Replying to @0K_ultra @bitemyapp
well there's the rub. it's possible (common, in fact) to pattern match to someone who actuarially resembles a bad bet but would actually be a good one. false negatives are a problem in systems like this.
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false positives are the bigger problem of course, the lender won't stay solvent if they make too many bad bets, so an institutional bias towards false negatives has a purpose. still, sucks to be pattern matched the wrong way.
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