Short people are short because of genetics. There’s nothing they can do about their height on a basketball court
Credit scores reflect people’s borrowing history
If they have to borrow to pay a medical account that is something they can’t have planned for in this economy. No one says I have to plan my spending around the chance I might get cancer. The best medical insurance covers 80%. The best out of work plan doesn’t cover more than 10% of salary for time away from work
It’s tens of thousands. No one is going to plan for that in this economy. It’s a risk. They’re penalized enough for being short of money, dinging them on a credit report takes more money from them
Who says, I need to put away $50 k in case I get cancer in an economy where a high majority is paycheck to paycheck?
The basketball analogy is valid.
An unforeseen medical expense is not genetic but for these purposes it might as well be.
It is an unfair random occurrence.
If we change the rules to compensate people for unfair random occurrences we are just lying to ourselves.
Life is unfair—denying it just creates new problems.