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I'd be willing to bet that there was no one developer or team who was given a task such as, "run our audit AI on accounts and permanently blacklist them forever if that's what the algorithm wants"

It was more likely years worth of minor changes that got it into this state. Teams adding different algorithmic checks for various things, where the output is just setting a flag on the account. And other teams adding account termination logic for certain flags or a certain number/combination of flags, not knowing exactly how the flags are set. Though maybe that would be the bad task. I'm just spitballing.



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