A credit score could be made more accurate if you included race and ethnicity, but current models are more accurate than one built simply on race and ethnicity. (This may simply be measuring the recial bias of society, but more data is almost always useful.)
Sure, it may offend people to include race, it's not required. EX: People without children are a higher risk than those with children. On it's own not a big deal, and you can't trust any one thing, but screening even 1 in 3 people is still vastly cheaper than everyone.
In the end we can be just as effective without including race if we simply spend more money to profile more people. Making more people suffer for little gain vs. standing up for your principles is less clear cut than people want to admit. Still, both options are viable.
Sure, it may offend people to include race, it's not required. EX: People without children are a higher risk than those with children. On it's own not a big deal, and you can't trust any one thing, but screening even 1 in 3 people is still vastly cheaper than everyone.
In the end we can be just as effective without including race if we simply spend more money to profile more people. Making more people suffer for little gain vs. standing up for your principles is less clear cut than people want to admit. Still, both options are viable.