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Here’s my dream plan, which would take 5 years and probably less than $5B:
* We replace Social Secutity Numbers (which are like having a username with no password!) with disposable, single-use IDs of similar format, perhaps by adding letters so we have enough identifiers
* People could get a new number anytime from the Social Security Admin website or app, by calling a number, or by going to a post office
* Credit scores and credit info brokers are required to only have info you choose to share
@anildash I'll do you one better - get rid of credit scores
@courtney that’s obviously the goal. But the transition is the tricky thing, because credit scores were an attempt as a *more* fair system than just plain “we don’t rent to your kind”. So you have to have clarity on what you’re moving towards, not just what you’re moving away from.
@anildash free housing? (I realize these are big ideas, but in terms of things to move towards 
)