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Yes, that is the exact reason for all the sh*tty data and erroneous assumptions and crappy policies flying around in society. I can understand that incentives have been misaligned for an awful long time because of THEM and the other banksters.
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It's a business with heavy incentives to publish bad data that helps their business instead of the traditional credit card/loan/mortgage landscape. Which is true, the credit cards, loans, mortgages fiat landscape fucking sucks. But their incentives are aligned with creating bad data.