But if the logic before (for, say, whether to loan people money) was some sort of flowchart or checklist or whatever, it may be bad, but it's inspectable, and s

But if the logic before (for, say, whether to loan people money) was some sort of flowchart or checklist or whatever, it may be bad, but it's inspectable, and so could be examined, evaluated, and changed. The DL/ML creates effectively uninspectable black boxes.