This definitely is a data privacy issue. They collect your data any they use it in some mathematical model to assess risk with some poorly thought out proxy, an

This definitely is a data privacy issue. They collect your data any they use it in some mathematical model to assess risk with some poorly thought out proxy, and boom: a bunch of people get falsely classified as risks to the platform. It's like the value added model for teachers, and Cathy O'Neil addresses this in Weapons of Math Destruction.