Does the scoring system discussed in this article even qualify as AI? Seems it's little different from the dumb tagging methods used by credit score companies for decades, except for (mis)using more data points.

Anyway, blaming AI for worsening the housing crisis is silly. The reason for the housing crisis is that there's too little housing. So long as that's the case, there will be people who have unreasonable problems getting housing, whether because of scoring or for some other reasons entirely.