@mims Other biases *do* creep in; but it replaced a system that was HEAVILY racist and stacked against the working class poor.
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@mims About mortgage and regular payment: it IDs you as able to pay regularly. It discriminates against REALLY RICH who pay cash for houses. -
@mims Or, it can't tell apart the people too rich to have a mortgage from those too poor to have one. That is not a bias against the poor.
End of conversation
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