Actually yes, your bank balance and credit score say a lot about you and determine your eligibility for all kinds of government and social interventions.
Ah crap you must be right. Oh wait it isnt actually as simple as that sounds. I doubt you have ever read any FCA guidelines. The government don't go around using credit scores other than potentially for analysis for analysis, it is a commercial services concept to use it for decision making at an individual level.
Statistics has never claimed to give clear information about causation. A simple mistake that people need to stop making.
In fact data science techniques give up on the concept entirely and tend to just use everything rather than picking one factor over another.
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