Quote from: crazy canuck on October 07, 2025, 09:35:49 AMI have to admit, I have never finished an EU game
Quote from: Sheilbh on October 06, 2025, 01:33:50 PMI hadn't realised it was basically a bit like the argument against nukes.
Quote from: The Brain on October 07, 2025, 08:58:21 AMIs there social housing in the US?
Quote from: DGuller on October 07, 2025, 07:34:41 AMThe issue where tenants with eviction history can't find an apartment is also part of a much bigger problem not tied to homelessness. It's one of the older AI problems I was always concerned about, where many seemingly independent actors all buy a vendor solution, and in effect become a monopolist even without intending to do so.
At individual level, it makes sense to screen out tenants with a bad "tenant score", whatever the reasons happen to be. At a collective level, though, people who fall on the wrong side of the model, either for good reasons, or for reasons of being an unlucky residual, get frozen out of the market entirely. Previously you may find some luck with some landlord, but if all of them now use same or similar solutions to screen out potential nightmare tenants, then these potential nightmare tenants are fucked.
In car insurance, we have insurers of last resort or risk pools, because we understand that even justifiably bad risks often need a car to functional in a US society. That's why there are various schemes to force insurers to deal with them, even if all the good models as well as common sense tells us they're a loss. I think it's way past time the same concept was extended to housing, or access to financial services.
Quote from: DGuller on October 07, 2025, 07:34:41 AMThe issue where tenants with eviction history can't find an apartment is also part of a much bigger problem not tied to homelessness. It's one of the older AI problems I was always concerned about, where many seemingly independent actors all buy a vendor solution, and in effect become a monopolist even without intending to do so.
At individual level, it makes sense to screen out tenants with a bad "tenant score", whatever the reasons happen to be. At a collective level, though, people who fall on the wrong side of the model, either for good reasons, or for reasons of being an unlucky residual, get frozen out of the market entirely. Previously you may find some luck with some landlord, but if all of them now use same or similar solutions to screen out potential nightmare tenants, then these potential nightmare tenants are fucked.
In car insurance, we have insurers of last resort or risk pools, because we understand that even justifiably bad risks often need a car to functional in a US society. That's why there are various schemes to force insurers to deal with them, even if all the good models as well as common sense tells us they're a loss. I think it's way past time the same concept was extended to housing, or access to financial services.
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