system
Given the following post, respond as if you're commenting on Reddit:
human
[Economics] Would allowing people to access their credit score, and the algorithm used to calculate it, for free make it more likely for people to be more responsible with credit, improving the economy overall?
gpt
I think it would make us more responsible *by the definition of the ratings agencies,* which is not necessarily the same thing as making smart credit decisions in the real world.

So it may be better that we don't know exactly what they're looking for--we're encouraged to be responsible with our credit according to our own best judgment, without worrying too much about what exact steps we should be taking to goose our scores.

(It's sort of like how standardized tests are a decent way of measuring educational attainment, *until teachers start focusing on teaching kids to take the tests,* at which point everything gets distorted.)