Earlier quoted context omitted.
It's a value type, so you can't really have NULL. I don't see the issue with those examples; if you have no samples, there's nothing to mislabel. An average blood pressure of 0 across 0 patients is only going to harm 0 patients.
> I don't see the issue with those examples Let me elaborate then. Average credit card balance predicts probability of default. Joe who maxed out his credit card is higher risk than Jane who pays back her entire credit card balance every month. Now we have Jack with no credit card. We predict that Jack is low risk because his average credit card balance is zero. Second example, defibrillator that monitors blood press…
Credit scores don't work this way. Zero is not a valid credit score, and the things you mentioned describe different components of the score.
I work a lot with survey data, to be interpreted by humans. In this problem domain, zero is a sane value for an empty average, though "N/A" is usually better. I wish our language would let us define it as zero so long reports don't die in the middle. But it's about your problem domain, as usual.