Exposing the evil is the utility here. Letting this proposal float unobserved is the greater evil.
Sunshine ... isn't always a great disinfectant, but it is in this case.
Sunshine ... isn't always a great disinfectant, but it is in this case.
Anyways - in developing countries models along these lines are already being used - there are no or limited credit scores and identity issues can be big. So people are already getting financing as a result of this evil - usually microfinance