It's interesting reading the first few paragraphs and mentally swapping out the "terrorist" concept for something like "bad risk for auto insurance". You could

It's interesting reading the first few paragraphs and mentally swapping out the "terrorist" concept for something like "bad risk for auto insurance". You could describe insurance systems with so many of the same adjectives - one damning factor wouldn't be enough to label you a bad risk even if several small factors might. Why do we insist on a clear definition for who should or shouldn't be on a watch list when it might actually be a complicated question of probability with many different factors?