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Holy shit, this is hilarious. Do you understand how language works? In this case "educated" is an adjective that modifies the noun "guess." An educated guess is a guess. Just specific type. . .basically, not "a blind guess", but one based on being "educated" on the topic. Using the monty hall problem as an example, when they remove the door, it's an "educated guess" to also switch your answer. But you don't know what's behind that door, you just are making the best bet. You're not "estimating" it's behind the other door, you're guessing it is. This is a ridiculous (and failed) attempt at a pedantic argument.
So, again, admitting that it's not based on facts, but simply a guess.
If you had just said "I bet it's hypocritical" I wouldn't have said anything. But you didn't. You state it as if it is fact. The credit system does not state "it is fact that they will be bad with any future credit" they are saying "the risk that they will be bad with credit is high, so we are not giving it to them."
Nobody fucking cares dude. Take a step back and think about what you're arguing about here. Just stop. I'm certain you have better things to do.
People who don't care just go away,they don't announce to the world how much they don't care.
You're attempt to make this about me and how much you "don't care" is as transparent as your piss poor argument that saying a guess isn't a guess. (Lol I still crack up when I realize you actually tried to argue that position)