[af_vet_1981]

Try a different analogy, that one is even close enough to be called an analogy.

Young people are the most likely to not have established credit.

Anyone in a modern country without a credit rating is a credit risk.

[Protagoras]

Young people are the most likely to not have established credit.

Is it about age or credit rating? Young people are a relatively poorer risk for accidents, the Insurance Cos have priced that in.

Anyone in a modern country without a credit rating is a credit risk.

Ummm, this is about insurance, not loans.