It's the intersection of Kafkaesque social credit by corporations and security theater spilling over from Snowden-revelations of government overreach by ancilla

It's the intersection of Kafkaesque social credit by corporations and security theater spilling over from Snowden-revelations of government overreach by ancillary watch lists with millions of names. Have a family member who hangs out with "shady people" or live somewhere a criminal lived, and be guilty by association and discriminated against by algorithm without being aware of it and without any recourse except to waste the target's time and money with layers of bullshit. Such scoring and grading by correlation with arbitrary datapoints and secret evidence determines if a customer is treated well, charged more, or fired. "Know your customer" but entirely lacking in a human in the loop to avert significant automated harm. Widespread disenfranchisement risks a quiet, at first, socioeconomic apartheid, instability, and more homeless people. The root cause is the oligopolic concentration of power by too few corporations and regulatory capture leading to little-to-no oversight to civically murder or banish a person arbitrarily. A number of potential remedies include: 1. Decentralization (credit unions, breaking up corporations that are too big) 2. Regulation (antitrust, consumer protection, and algorithm standards) 3. Public utilities for essential services (postal banking which already occurs partially in the US with money orders) Closely-related book Three Felonies A Day: How the Feds Target the Innocent by Silverglate.