It goes so far beyond that. There are people who have publicized their intention to establish rules/norms as many places as possible so that they can exclude me without needing to provide a reason or examples.
The most ridiculous aspect of this to me is when a landlord uses the phrase "break even" to describe the scenario where they end up owning a house for free, and "lose money" for anything short of that.
I'm pretty sure professional licensing standards are the most relevant distinction here. We also don't ask plumbers or bridge builders about passion projects.
Some of the handbook pages in question *explicitly* say that you have to click the link and read the contents to qualify as having read the page. And then some of THOSE pages say it again... So it's not a complete traversal, but it IS deep.
I miss edge-of-plausibility 60s-80s action movies. These days the default is fight scenes where the first hit would break a real person's hand and/or jaw, and falls that would immediately knock someone out if not break their back.
It helps that DOGE is doing things on hours and days of notice, without apparent planning over weeks or longer.
Project 2025 is one thing, but I'd wager most of the DOGE folks are doing stuff today they had no idea was coming a month ago.
Credit scores make a lot more sense when you stop thinking of them as "how trustworthy am I with money" and realize they are "how profitable am I to lend money to".
The expected value *is* 100%.
When you do the math and get 65%, that's the chance that it happens *at least* once. It's easy to overlook that some of those times it will happen twice, or three times, or even ten times.