I dont know how much I trust an algorithm that isn't given all the data it needs to make decisions like the one presented by Karen (sorry I spent 20 seconds laughing at the name and its connotation with what we're reading but moving on). The problem with the algorithm and its premise is that the system used for judging doesn't account for other factors like how the defendants got to the crime, were they in groups, etc and that is also a consideration for how the release/jailing system works. When it comes to the other issue of credit scores thats a far more clearer one. Someone who can't maintain the basic income for recovery over a period shouldn't be allowed credit but there also there aren't enough inflection points in the data to help make the decision. They account for things like inflation and market rates but the algorithms are mostly aligned towards risk avoidance rather than credit assignment so that might be a failure we need to consider.