The world is awash with conflicts of interest. The plumber you call to fix the boiler insists it needs replacing, at vast cost to you and benefit to them. The car mechanic says your head gasket has blown. But has it really?
Whenever there is an asymmetry of knowledge — and many are ignorant about the ins and outs of boilers and car engines — the scope for being ripped off is large.
The realm of credit ratings is more heavily stacked against users than the flaky plumber or mechanic could even dream. It is the equivalent of a boiler manufacturer paying the plumber who recommends and installs its equipment — a bargain until the boiler blows up and destroys your house.
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