ThrowAway1451

You really can't function well in society by risking large amounts of social capital on saying things that could potentially offend large groups of people (even if only when contextually mis-interpreted).

Obviously, doing this when you're in a position of power means you're risking a lot more and so you have a lot more to lose.

If that is true ("equal credit act is the only thing stopping it in the US"), then race is the strongest factor[1] for credit scoring, so I'm not sure how China does it (Chinese population is racially homogenous)?

[1] https://en.wikipedia.org/wiki/Factor_analysis