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I don't have a specific policy proposal for you. Needing a long term loan to have access to transportation or a place to live is already a pretty grim situation, but building a punitive and dystopic privacy nightmare on top of that doesn't really meet my criteria for "unpleasant but necessary facts of life, might as well accept it".
We're miles away from a sane reality, and all I'm doing is pointing that out - we're not going to have a good time whether we decide to accept it and let things get worse or start fighting our way back. It's all a nightmare.
Honestly it wouldn't be such a concern if cost of living was better balanced and a much more robust social safety net was in place. For a money-based society heavily regulated credit scores are probably the best solution to the challenges of fair lending.
I'd even hazard to say the current credit system doesn't require significant reform. There's a lot of consumer protections still on the books unlike other systems in the US that badly need reform. There's predatory credit products that need to be regulated out of existence for sure, and some of the scaled back protections need to be put back, and I can think of a few minor improvements, but it's one system that I honestly think is not far off from its ideal form.