It&#x27;s not just about bias. Even if we know there is predictive value, there&#x27;s a notion of whether it&#x27;s fair to include it. Regardless of what it correlates with, it seems unfair to make someone more&#x2F;less likely to get a loan because of the color of their skin (or anything else they cannot change). There are some attributes that we <i>should</i> turn a blind eye to.