I wonder machine learning could just handle this the way that humans do. Human decisions processes are of course extremely opaque even if we're good at coming

I wonder machine learning could just handle this the way that humans do. Human decisions processes are of course extremely opaque even if we're good at coming up with post-hoc justifications for our reasoning as needed. "You're income is too low" "But his income is also low and he got a loan!" "Well he has a better credit score." etc It would obviously be impossible to give a complete and accurate explanation of a machine learning decision process the same way it would be impossible for a human learning decision process, but I wonder if it would actually be difficult to come up with particularly salient distinguishing features in general or between certain cases the same way that people do?