Fuck all of that.
Similarly, people often don't like it when insurers track and score their driving. However, this allows insurers to offer lower insurance fees to more people by _not_ offering lower insurance fees (or instead charging higher fees) to people that are driving in a risky manner. This does of course assume a competitive market for insurance but I think in most countries that's a reasonable assumption.
There's nothing fairer than user-pays, especially when users can choose to pay less by changing their behavior.
That's probably true in theory, but not in practice, given how high US credit interest rates are compared to European countries for instance.
> Without credit scores, fewer people would have access to credit.
Too many people having access to credit is exactly how we got the worst financial crisis of the century, so it's not really something to brag about… People talk about US public debt a lot, but private debt is even more worrisome.
If user pays is so fair why does anyone who could access credit or liquid assets in excess of their state's minimums have to pay hundreds to thousands per year for auto insurance?
