I think the issue is less the algorithm (so long as the consumer is made whole, there's no issue) and more the "how are we making money here". Disclosure is a

I think the issue is less the algorithm (so long as the consumer is made whole, there's no issue) and more the "how are we making money here". Disclosure is a big one when it comes to financial regulation. Something tells me there is an undisclosed source of income here beyond $150 membership fees.