I am confused about these models
The goal is to identify at least 98% of the customers, that do not repay their debt. So the bank can &quot;accept a maximum number of 'good' customers, that can be granted loans&quot; Here the goal is focused on the bad customers.

There should be at least 85% good customers accepted while the side focus is to reject as many bad customers as possible.


I think the difference between 1) and 2) is identifying bad customers in 1) and good customers in 2)