Individual businesses chose to voluntarily share information about how well their individual customers repaid their bills. These individual businesses saw it in their interest to share this information as they feared each individually offering loans to new customers that had already failed to repay previous loans. What role do you think the state should take to intervene in these voluntary arrangements?

Fundamentally I’m not outraged by credit scores because it is fundamentally your *reputation*. And the human species naturally learns and shares what peoples reputations are.