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It's a business with heavy incentives to publish bad data that helps their business instead of the traditional credit card/loan/mortgage landscape. Which is true, the credit cards, loans, mortgages fiat landscape fucking sucks. But their incentives are aligned with creating bad data.
Yes, that is the exact reason for all the sh*tty data and erroneous assumptions and crappy policies flying around in society. I can understand that incentives have been misaligned for an awful long time because of THEM and the other banksters.
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