I see people who want credit, but cannot get it because they have never had it. So the algo marks them as a bad bet. A 44 year old lady with some quite severe medical problems, a gross income of £25k p.a. and low over heads, was told no... so she has to save up.
It was for a mobility scooter.... more important than a car. Along the lines of a pair of legs to most of us.
My point is that it has been happening in the UK for years. And yes it is appalling.