FICO to incorporate buy-now-pay-later loans into credit scores

If we're trying to understand and discuss reality, we should absolutely be referencing real data and information and build our conjectures from there. Not just making some statement that reality is a certain way, refusing to engage in any data that points otherwise, and berating people who bring evidence contrary to the conjecture. Otherwise, we're just discussing fantasy and being rude to each other. Personally, I'm wanting to talk about reality, not some urban/rural areas 9rx is envisioning in his mind entirely divorced from any real places and data in the United States.

You say things like "as a rule", give arguments of a drive from a rural area into an urban area should take the same time as just transiting around within the urban area, and offer zero actual real examples, data sets, or proof to your conjectures and berate those who show real data pointing opposite to your statements.

Science is for understanding reality. Discussion is for understanding what someone is thinking.

> we should absolutely be referencing real data

If that's all that your limited thought is able to offer, I guess, but what, then, do you understand as the value you are bringing to the table? Data is already recorded and I can just as easily go talk to the people who had the minds capable of coming up with that data in the first place if I want to know more about the thinking behind the data. Your involvement would be absolutely pointless.

As you are actually defying your own premise here right now by sharing what you are thinking, not regurgitating someone else's thoughts and data, you remain a valuable contributor. But if you were to devolve into what you suggest you want to be, how could the discussion go anywhere?

> Otherwise, we're just discussing fantasy

If fantasy is what someone is thinking about in the moment, I suppose that is what you are going to get. But that's exactly what discussion seeks to learn. If that's not what you are actually looking for, consider that discussion isn't what you need. As hinted at earlier, there are other ways to explore the world around you. Use the right tool for the job.

They close the distance gap, but thanks to poor civil design often (yes, there are exceptions, always) they don't close the time gap. I don't suppose it is being able to see a mostly occluded, hazy silhouette of the downtown skyscrapers is the appeal there. Surely this is about minimizing travel time?

A family member once lived in the suburbs of a large city. I live 50 miles clear of that city. It was always fun to razz them about the fact that I could be to the amenities in the city faster than they could. Many cities (not all, there are exceptions, always) develop as economic hubs, needing to get things in and out of the city as fast as possible, often at the cost of intercity movement. This leaves it more advantageous, if not in the heart of the action, to live outside of the city with respect to the matter of time.

Perhaps people just end up in the suburbs out of happenstance (e.g. they were born there) and never give it any more thought? It would be fascinating to hear from those who gave all three types of places a fair shake and still settled on the suburbs in the end.

During peak hours maybe, or in very poorly designed or overcrowded cities, but ultimately if everyone is using the same roads then you will eventually sit in the same traffic if you're trying to get to the same places? Travel time might not be that much longer but it will be longer

> It would be fascinating to hear from those who gave all three types of places a fair shake and still settled on the suburbs in the end

I am one of those people. I grew up in suburbs, my family moved to the countryside in my teens, and I spent my 20s in dense urban areas, settled in the suburbs now

When I lived in the country I did often joke with my friends that I could be anywhere in the city in 20 minutes faster than they could, because I could get far north or far south faster than going through the city

But the tradeoff was that 20 minutes was a hard minimum. I could not get anywhere faster than that really

Our thoughts, ideas.

> This is a demonstrably untrue statement.

My thoughts disagree, but that was said with respect to my country, not the US, so whether or not you are right, the US data is not indicative of that. While I do understand I wasn't fully clear in expressing my thoughts there, what is fascinating is that you jumped into assuming that I meant the US instead of asking "Are you sure you are talking about the US?" or something to that effect.

That is the kind of cool thing you learn in discussion. Who gives a rat's ass about data? I mean, there is good reason to care about data, but the data is right there to look at directly if you really are more interested in the data. Use the right tool for the job.

> I'd say my involvement would have a point of actually directing you to the real statistics and data.

So can I take from this that you aren't looking for discussion, but rather you want to be a teacher? While there is definitely a place for teachers in this world, a place of discussion isn't it. Colloquially, what we call the place you are looking for is "school".