I don't think we're talking past each other; I think you have some very strange definitions of commonly used words and terms or you're just being intellectually dishonest.
On the off chance you actually respond to this:
> I believe, fundamentally, a landlord who makes a profit is immoral. Therefore, I'm not interested in understanding someone's financial responsibility.
Are you not charging your tenants to occupy a portion of your home? If you are, you're profiting. If you aren't, everything else you said in this thread is misleading at best.
> I believe financial responsibility is not an adequate proxy for general responsibility for the reasons I've stated above (criminal backgrounds, poverty, lack of education, etc) that shouldn't be barriers to getting housing.
The entire risk management industry disagrees with you. I'll go with them over your half-baked beliefs.
> My guess is that if we are unable to agree on credit checks as unnecessarily invasive, then I really don't think we'll come to a reasonable stopping point for "landlords are fundamentally an immoral enterprise".
Something we agree on!
> If you'd like to have the last word in the thread, by all means.
Thanks for exposing me to a new level of cognitive dissonance, where a landlord claims that landlords are immoral and should not exist.