4 ms·

I think the key here isn't broadcasting, it's storage. In the future (?) we might think we can detect Parkinson's or MS very early through voice/video/typing ch

I think the key here isn't broadcasting, it's storage. In the future (?) we might think we can detect Parkinson's or MS very early through voice/video/typing characteristics. Your conversations were recorded, the data leaked to or purchased by a fly by night company hired by your bank, and now suddenly despite your excellent credit history you can't get a 30 year mortgage, you try to find a new job but companies are only offering 6 month contracts, etc. It's hard to prove a database doesn't exist, better to encrypt the content beforehand and make it harder to create.

einpoklum 6y ago
> In the future (?) we might think we can detect Parkinson's or MS very early through voice/video/typing characteristics. We probably won't.
- beckingz 6y ago
  Want to see if we can get 10M in VC money to try?
- cgriswald 6y ago
  Whether it works is irrelevant. If anyone buys it, the time between belief and disbelief will be longer than the time it takes to screw up individuals' lives.
- jodrellblank 6y ago
  We're[1] already doing it: https://www.youtube.com/watch?v=l3OrRsLq-eg https://www.youtube.com/watch?v=l3OrRsLq-eg [1] someone, not me; "Cognito is a keylogger that tracks typing metrics, analyzes them with AI to diagnose Parkinson's"
tribeca18 6y ago
Oddly specific, but this is such a great plausible example that I'm going to use from now on.
- jrumbut 6y ago
  Thanks, just to be clear I made it up after clicking reply! If you want to make more of them I just combined a plausible data analysis project with some of the creepiest insitutional aspects from previous surveillance scandals.
kortilla 6y ago
Banks can’t base mortgage on possibility of dying: https://www.55places.com/blog/60-year-old-can-get-30-year-mortgage https://www.55places.com/blog/60-year-old-can-get-30-year-mo... Even barring the legal requirement, banks already prices mortgages such that they can handle being stuck holding the title with no payment. Down payments or government guarantees prevent them from holding the bag unless the housing market takes a big downturn.
- mrexroad 6y ago
  Instead, they’ll just say “not a cultural fit”
- lazyasciiart 6y ago
  Yes they can, they just can't use your age or other protected characteristics in the calculation of those odds. The ECOA doesn't say anything about health.
  - kortilla 6y ago
    Let me be more clear. Banks don’t give a fuck if you have a high chance of dying a couple of years into a mortgage. It’s no different than you walking away from your mortgage, which they already have priced in. Additionally, the underwriter of the mortgage sells off the mortgages to other banks once everything is closed up. If a chance of death had any impact on repayment probability, this resale value would be impacted (where age discrimination doesn’t apply) and that doesn’t happen today.

einpoklum 6y ago

> In the future (?) we might think we can detect Parkinson's or MS very early through voice/video/typing characteristics. We probably won't.

beckingz 6y ago
Want to see if we can get 10M in VC money to try?
cgriswald 6y ago
Whether it works is irrelevant. If anyone buys it, the time between belief and disbelief will be longer than the time it takes to screw up individuals' lives.
jodrellblank 6y ago
We're[1] already doing it: https://www.youtube.com/watch?v=l3OrRsLq-eg https://www.youtube.com/watch?v=l3OrRsLq-eg [1] someone, not me; "Cognito is a keylogger that tracks typing metrics, analyzes them with AI to diagnose Parkinson's"

tribeca18 6y ago

Oddly specific, but this is such a great plausible example that I'm going to use from now on.

jrumbut 6y ago
Thanks, just to be clear I made it up after clicking reply! If you want to make more of them I just combined a plausible data analysis project with some of the creepiest insitutional aspects from previous surveillance scandals.

kortilla 6y ago

Banks can’t base mortgage on possibility of dying: https://www.55places.com/blog/60-year-old-can-get-30-year-mortgage https://www.55places.com/blog/60-year-old-can-get-30-year-mo... Even barring the legal requirement, banks already prices mortgages such that they can handle being stuck holding the title with no payment. Down payments or government guarantees prevent them from holding the bag unless the housing market takes a big downturn.

mrexroad 6y ago
Instead, they’ll just say “not a cultural fit”
lazyasciiart 6y ago
Yes they can, they just can't use your age or other protected characteristics in the calculation of those odds. The ECOA doesn't say anything about health.
- kortilla 6y ago
  Let me be more clear. Banks don’t give a fuck if you have a high chance of dying a couple of years into a mortgage. It’s no different than you walking away from your mortgage, which they already have priced in. Additionally, the underwriter of the mortgage sells off the mortgages to other banks once everything is closed up. If a chance of death had any impact on repayment probability, this resale value would be impacted (where age discrimination doesn’t apply) and that doesn’t happen today.