&gt; So your +1&#x2F;-1 don&#x27;t represent people who do&#x2F;don&#x27;t pay back their loans?<p>It represents an entire system where people taking actions based on algorithm output help ensure the perpetuation of the data the algorithms report. It applies to people who don&#x27;t pay back their loans only as part of a grander scheme. I don&#x27;t think that the political change I am advocating -- or anyone for that matter -- is &quot;why don&#x27;t you just loan people money&quot;. It probably, somewhere down the line, loaning people money more easily for use as a personal or a business investment (that is not what happened in the financial meltdown, BTW, where banks -- operating completely out of self-interest and in light of past data -- loaned strippers money to buy their fifth home without asking them why.<p>On the whole, it is a political action -- <i>the</i> progressive political action -- whose goal it is to slowly wrest power away from a very small hegemony that controls a large portion of the resources, and invest it in others to even out the playing field.<p>If society decides to conservatively interpret the output of algorithms wholesale, that is indeed a force against such action.<p>&gt; When I ask for you to clarify in unambiguous terms, you refuse<p>Such as?<p>&gt; clearly no one on HN is fooled.<p>Really? How do you know?