Is this AI, really? And isn't it immaterial if it is in the first place? If it's a dumb algorithm or a smart one (or a random one, at that) locking out people w

Is this AI, really? And isn't it immaterial if it is in the first place? If it's a dumb algorithm or a smart one (or a random one, at that) locking out people without recourse, the result seems much the same.