Anonymizing risk is not a better system. Think a few consequences down the line...no one knows who theyre lending money to or from, its all figured out by AI/LLMs and as long as the incident rate is below a certain percent in a random sampling it doesn't matter what the errors are. WCGW?

Deleting discretion from the current system doesn't fix or improve it. Discretion is a really important part of the current system that prevents it from becoming more insane than it already is.