[R] Artificial Intelligence is stupid and causal reasoning won't fix it

If a ML system uses gender information in credit scoring, then gender information is probably relevant for credit scoring. We all know that women, for example, are more risk averse than men on average and that there are more men with very low IQ's; and more men take part in dangerous activities than can maim them. All those things contribute to credit risk. I looked at some actuarial motorcycle accident data from a Swedish insurance company a couple of years ago, and the accident rate of young men (18-25 maybe) was something like 40 times higher than women in the same age interval. Of course, EU law requires us to offer the same rate to men and women, so we have to ignore this; and thus the women pay more than they should if things were fair.