<i>I don&#x27;t make testable predictions when I don&#x27;t have the tools to make them.</i><p>You just admitted you don&#x27;t have a theory (aka, the tool to make testable predictions).<p>Also, you haven&#x27;t shown the math to be wrong. All you&#x27;ve done is speculated that if we start making bad loans to groups that are disproportionately likely to be deadbeats, they&#x27;ll suddenly start paying back their loans. If you really believe that (I don&#x27;t think you do) then go forth and earn your billions.