They don’t care about how much debt there is. They just want you to spend to infinity:

There's a groundswell of support among lenders and even U.S. regulators for looking at alternative data to decide how creditworthy a borrower is. The goal here is to help "unbanked" individuals – those without FICO scores – access credit more easily. t.co/6DpvmGLqRk

— Lisa Abramowicz (@lisaabramowicz1) September 12, 2019