Comment by asdadsdad

Agree. The other upside of private companies doing it is that they might shoot themselves in the foot if their business interests misalign with their "credit scoring" ones, and intuition shows the former will take precedence and subsume the latter. That is, Airbnb might find the limits of its own risk-scoring scope when normal people will get upset and not be able to consume their product, which has happened quite a bit already. The cool thing is that in a place like the US, the open market will then adjust itself and propose a new competitor which will happily take Airbnb-banned users.