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Please reread the article. The article itself admits that non-financial data is useful and used (where this is allowed). I agree 100%.

You drew the wrong conclusion about something you don't know a lot about and doubled down. Good luck with that and I forgive you.

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No, it says it's used incorrectly/wrongly. The whole article is about how hard it is to get an accurate view of a person's likelihood to pay a loan back, and the crazy (and generally inaccurate) ways lenders try to make up for that.

You drew the wrong conclusion about something you don't know a lot about and doubled down. Good luck with that, though I don't honestly forgive you.

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