The point is that assigning a FICO score -- any score -- <i>is</i> a strong predictor of future scores, to the person and those dependent on them. If the current score is unfairly distributed in society due to other historical effects, the computation will actively work to maintain the distribution.<p>A quant doesn&#x27;t care how they make their money, and they certainly have no desire in leaving their Nash equilibrium.<p>Again, if you say you want to enact a conservative policy, say so. It&#x27;s perfectly OK. But don&#x27;t program conservatism into an algorithm and then claim &quot;it&#x27;s only math&quot;. It isn&#x27;t.<p>Of course, being in a Nash equilibrium makes conservative algorithms much easier, as they don&#x27;t require bargaining with other players, but that doesn&#x27;t make them any less conservative.