“ If we change the rules to compensate people for unfair random occurrences we are just lying to ourselves.”
Silly.
The rules of the basketball court are the same as any physical measurement rules
Credit score rules are made up as evidenced by this ruling. Same as the overinflated rulings of medical expenses
Hospital administrators and doctors are famous for being stupid and overinflated with economics
Pharmaceutical companies sit on 500 billion while charging too much for drugs to old people with no active income
Basketball ? What?
No
Credit reports are used to evaluate whether or not potential creditors can pay their bills.
If they become unreliable then folks who loan money will have to use other metrics—and they may be metrics you don’t like.
They may have to violate your privacy in a dozen sneaky ways since they can’t rely on credit reports—or they may refuse to loan you any money at all no matter who you are because they have no reliable metric.
There is no free lunch here.