&gt;&quot;<i>If the gov&#x27;t could discriminate on who it loans to for risk assessment then that&#x27;s a different story.
</i>&quot;<p>If they could, they wouldn&#x27;t be allowed to. As soon as a hint of racial&#x2F;sexual&#x2F;anything disparity is shown in who is getting the loans, there would be a massive uproar to &quot;incentivise&quot; the non-proportionately-represented class with loans. Then you&#x27;re back to square one, as the loan process is then &quot;not&quot; to be used as a corrective measure for society&#x27;s ills.