Artificially limiting people's access to capital is a real problem. Sure, perhaps having to go to a separate company once is a minor inconvenience. If no one questions the "algorithm" and it gains wider spread adoption, people's access to capital can very quickly deteriorate. This has real consequences to people's ability to start a business, buy a house, pay a hospital bill... And yet you are not "concerned in the slightest". Do you have a blind trust in the algorithm, or just complete apathy on how this could affect people? What are the things that concern you then?