>Credit scores

At least you started off with by far your worst example. The alternative to credit scores is only the wealthy getting loans, full stop. Any alternative would require a human being combing your finances for hours, which would obviously substantially raise the cost of loaning money.

Oh so let's build scores based upon social media interactions and google results because this is fair? What? No. Not ANY alternative would require a human. There are a few numbers you actually need. You should have to ASK for those!!

Besides that: I don't care about someone losing money because they actually have to sit down a human to verify data which is relevant. This is what humans are good for and if it cost you, you can put it on a bill.