You snark, but legally preventing banks from offering better rates to favored clients would probably be a good thing for society and the banks themselves. After all, plenty of charming and well liked clients have turned out to be terrible credit risks.
Favored clients in this case aren't slick guys in a suit, I'm talking about people who want the bank to manage billions of dollars for them, as compared to me and my shitty savings account that may or may not have any money in it.
Credit scores are a very good thing. Someone who pays their bills on time shouldn’t have to pay the same rate as someone who always skips the bill, and without them, every loan would have 10% interest at least, even for mortgages
