[Superman]

You guys have opened a can of worms. There's the principle you all know I hate, and that is this notion that it's all about business and not about people. The lenders, to substantial degree, make the rules. Credit reporting agencies are some of the absolute most frustrating organizations in the world to deal with. By contrast, they make licensing and welfare agencies look like Nordstrom. The last two are public agenies (gubmint), while credit reporting agencies are profiteers.

Then there's Randy's excellent suggestion......except that prisons are already full and he's suggesting increasing taxpayers' expense. And with Len and the enforcement issue. It's be cute if passing new laws was a solution. The cops lack the staff to enforce the laws we've already got.

Perhaps the only solution is for each of us to wear a chip under our skin, like it says in the Bible. Mark of the something-or-other.