You’re right. There’s zero Jewish representation in the Arab world while Arabs make up about 20% of the Israeli population (and hold positions of power within the country). Israel is a tolerant society while saud, Qatar, etc. are largely intolerant of Jewish existence (they genocided their own Jewish populations).

Gold was apolitical money for a long time. Can’t just print gold.

Poor auditing? Mate, they only audit for you doing what you say you’re doing. And if you say you play peek-a-boo, and the auditors watch you play peek-a-boo, you’re golden. ISO auditors aren’t experts at whatever it is you’re manufacturing and measuring, they are only experts on ISO standards. ISO trusts that you as the manufacturer are the expert in what you’re making.

ISO9000 is a joke. They don’t care what you do, they only care that you do what you said you’re doing. So if your inspection process is “we play peek-a-boo with the widget and if it’s still on the table when we open our eyes, it’s good to ship”. ISO only cares that you have a peek-a-boo procedure and your inspectors are trained on how to play peek-a-boo.

Your argument is purely semantic and not really substantive unless you define what a “bad person” is. That’ll be different to everyone, so without a common operating definition of a “bad person” your point, while technically true, doesn’t really mean anything.

Credit scores are in part based on the oldest line of available credit, which for most people are their student loans. Pay those off, your oldest line of credit becomes something more recent, and your score goes down as a result