I wasn't arguing with or misunderstanding the point being made. I was just disputing that DDG usage would be positively related to credit unworthiness. I admit that it was pedantic.
If you're a rich white guy, this oppression is unlikely to apply to your choices. Instead, your choices will be used as filters to identify you at the exclusion of others
Amazing how skin color is the first thing brought up by those (presumably) fighting racism. Ironic?
And my point is that aside from the pendantry about DDGs affect specifically... the result will be scoring systems based on more than just financial capabilities. IE: "we don't want to lend to those who use DDG because they are rich white guys". Deplatforming based on perceived "facts".