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Ok I see. But I don't think being black makes someone more likely to not pay back loans. There's other more specific factors, which are shared among a disproportionate % of black people, like poverty and education and single income families etc. The AI should hopefully be smart enough to recognize this.
Finally looked at some of Queefer's useful AI Links and while it's interesting to see how it can help gather, manage and even interpret data, I'm not seeing the world-transforming, job destroying implications.