Please watch his interview (https://www.cnbc.com/video/2019/11/11/full-interview-with-au...). He explains specifically why they are calling out Apple in the interview.

Credit access is definitely a "justice for all" issue. Access to credit is a huge determinant of social success, and there are entire government departments dedicated to making it more equitable.

In both the interview and the post linked here, there is an explanation of why opaque algorithms are a problem. So yes, this is about algorithms (if not specifically machine learning).

Generic non-sequiturs like your last sentence don't really add to the discussion.