“If you want accurate risk assessment, you must take into account data (income, savings, industry/job stability, other kinds of debt, etc.) that correlates with ethnic averages.”
While not strictly true this is true in essence. The failure point is telling though. What you need is to make generalization that are more general than single individuals. Why that categorization dimensions needs to be ethnicity is not forced at all. Why it would not be gender? Why is it not that you have a certain gene?
When you take such a grouping of indivudals and say that “this average is meaningfull to the decision that I am going to make” that is no longer strictly need.
In dissocaited theorethical talk you could argue and backup as some groupings being more meanignful than others. But the whole discriminatory problems come from people applying a set of groupings that are just common or known without regard to the fit or justifiabliy for he task at hand. That is we first fix the categories and then argue about their ranks rather than letting rankings define categories.
“If you want accurate risk assessment, you must take into account data (income, savings, industry/job stability, other kinds of debt, etc.) that correlates with ethnic averages.”
While not strictly true this is true in essence. The failure point is telling though. What you need is to make generalization that are more general than single individuals. Why that categorization dimensions needs to be ethnicity is not forced at all. Why it would not be gender? Why is it not that you have a certain gene?
When you take such a grouping of indivudals and say that “this average is meaningfull to the decision that I am going to make” that is no longer strictly need.
In dissocaited theorethical talk you could argue and backup as some groupings being more meanignful than others. But the whole discriminatory problems come from people applying a set of groupings that are just common or known without regard to the fit or justifiabliy for he task at hand. That is we first fix the categories and then argue about their ranks rather than letting rankings define categories.