Technology is superb at remembering everything and helping us sort and cherry pick and focus on whatever segment of data we like. And an unintended consequence is things like this where it becomes even easier for us to segregate ourselves, which is a natural human tendency. What did we do as a society when we only had limited data on a person with which to judge them? We took more chances and went with the flow. That leads to serendipity and opportunities for potential that is sitting on the sidelines. I&#x27;d argue that this is a better methodology for society as a whole; a little bit of chance&#x2F;risk. It promotes patience and normalizes the act of mingling with different peoples. The merit of Facebook&#x27;s premise here I think is a bit flawed to begin with (that you can predict ones credit rating based on their friends. Are there even studies saying such?), but the real point is the consequences of a system like this being widespread. I feel that most peoples Facebook friends are close to their age and their geographic location. This could have a biasing effect based on ones age and socioeconomic status thereby exaggerating the negative or positive aspects of the group you associate with. What little edge you worked to have above your peers with your credit score could be normalized away just because of who your friends are.