continue the argument why should somone pay for someones death (as in insurance) or even healthcare and even so is 700 far behind 838? if everyone starts getting a good score analytics will be used to modify the parameters to ensure some of the good scorers get a bad score. is the scoring transparent? at the most one amy get 1% difference. let the insttutioons not be allowed the freedom of pricing. to ensure returns banks would also focus on bad scorers ( by using their own analytics offcourse)
