Yes, it is necessary. Reason: you now enter in a high-stakes financial partnership with me. If I am not solid, this introduces risks for you. The responsible thing is for you to have information on my personal solidity, not on the average solidity of a group I am part of.
Plus, it is the human thing to do. If you know I have a B, and my solidity depends on me willing to make some adjustments in order to protect the group, you can think of me as a human being, and not as some anonymous market operator: “I know Alberto. He is going through a difficult moment because of that illness (fictional example, eh), but now that is resolved, I see he is committed and I trust him.”
The point about data is well taken, and that is why there are basically no permanent data here. No CSV, excel files, nothing that lives in a database and can be linked to people’s identities via automated processes. Indeed, we should be as explicit as possible, as a matter of practice. But this is no guarantee of perfect compliance, because human processes are messy. In the case at hand, already in June 2022 the confesseur process was described (see below), but who goes back and reads older discussions on the forum? So, I would propose to absolutely NOT be legalistic about this matter, but to treat each other as fallible humans, worthy, for all our failures, of compassion and trust.