The Importance of Credit Scores in Decision Making

In theory, credit scores should reduce some of those extraneous factors that often lead to discrimination and decision-making. I'm trying to understand whether it's kind of hard for that to always be the case given the fact that it's ultimately human beings making a decision to lend someone money or at what interest rate to lend them that money. The credit score allows lenders to not only decide who they're going to lend to, but to price that loan or that service. And it also opens the door to things like subprime interest rates.