"Some have blamed lenders for inappropriately approving loans for subprime applicants, despite signs that people with poor scores were at high risk for not repaying the loan. By not considering whether the person could afford the payments if they were to increase in the future, many of these loans may have put the borrowers at risk of default.
Some banks have reduced their reliance on FICO scoring. For example, Golden West Financial (which merged with Wachovia Bank in 2006) abandoned FICO scores for a more costly analysis of a potential borrower's assets and employment before giving a loan.
According to the experts at MyFico.com, credit scores are enhanced by having multiple credit cards, the use of credit cards, and having installment loans. However, financially secure individuals who do not use multiple credit cards and/or self finance installment type expenses may be inaccurately assessed a lower credit score."
Do you think that PayPie could have been a problem solver in this situation and prevent the subprimes bubble and 2008 crisis ?
Some banks have reduced their reliance on FICO scoring. For example, Golden West Financial (which merged with Wachovia Bank in 2006) abandoned FICO scores for a more costly analysis of a potential borrower's assets and employment before giving a loan.
According to the experts at MyFico.com, credit scores are enhanced by having multiple credit cards, the use of credit cards, and having installment loans. However, financially secure individuals who do not use multiple credit cards and/or self finance installment type expenses may be inaccurately assessed a lower credit score."
Do you think that PayPie could have been a problem solver in this situation and prevent the subprimes bubble and 2008 crisis ?
Well, we're talking about individuals here, their information would not appear on the blockchain, even if the company which granted them a loan would use triple accounting, there would not be any information about customers written in the ledger, so impossible to know the credit risk imo.
Yes I think PayPie is targeting more SMEs than individuals.
(sarcasm) is the Myetherwallet phishing attempt, the one where they ask you to donate 25% of your crypto investment made to an ICO, in exchange for 100% return on interest. Most slack groups have disabled the slackbot, or have turned their channel into an announcement only thread. 
