> what do others do with our information - and I think the best answer is the medical ethics answer - nothing unless it is in the individual’s best interests.
How is saving money not in an individual’s best interest?
You have person A who chooses to consume known carcinogens and excess carbohydrate, and person B who abstains from them and exercises control for their diet.
Why is it ethical for person B to have to subsidize person A?
Similarly, person A chooses to spend more money on less nutritious fast food meals, and person B makes quinoa salad at home and takes it to work. A lender may conclude person B exhibits behavior that indicates they have a lower probability of default, so why should person B have to subsidize person A’s lifestyle?
If the counter argument is that person A is poorer, had poorer parents, had a worse upbringing in a worse neighborhood with worse influences, then the correct way to subsidize person A is via government spending (cash, education, raising the floor on pay to quality of life at work ratios).
How is saving money not in an individual’s best interest?
You have person A who chooses to consume known carcinogens and excess carbohydrate, and person B who abstains from them and exercises control for their diet.
Why is it ethical for person B to have to subsidize person A?
Similarly, person A chooses to spend more money on less nutritious fast food meals, and person B makes quinoa salad at home and takes it to work. A lender may conclude person B exhibits behavior that indicates they have a lower probability of default, so why should person B have to subsidize person A’s lifestyle?
If the counter argument is that person A is poorer, had poorer parents, had a worse upbringing in a worse neighborhood with worse influences, then the correct way to subsidize person A is via government spending (cash, education, raising the floor on pay to quality of life at work ratios).