I think you're being excessively generous. According to the linked article, > But despite Nate acquiring some AI technology and hiring data scientists, its app

I think you're being excessively generous. According to the linked article, > But despite Nate acquiring some AI technology and hiring data scientists, its app’s actual automation rate was effectively 0%, the DOJ claims. Sometimes people are just dishonest. And when those people use their dishonestly to fleece real people, they belong in prison.