Yes, it's ridiculous. It's the way things are going, but it's
   ridiculous still. Credit is a measure of trustworthiness. The
   theory is, if your friends are untrustworthy with money, then
   you are guilty by association. Sad thing is, they may be right.
   But birds of a feather do not always flock together. But they're
   looking for the 'average'... and... I hope they're wrong... they
   might be right.