I agree, that’s what makes it so insidious: it’s murky how you get flagged as risky, and you normally don’t even see the evidence (if any!), much less have a means to appeal. Which would be one thing if financial institutions’ risk decisions were independent, but they’re not—see again the inimitable @patio on this [0].

That serves the integrity of the risk-identification system by making it harder to game or evade, but we’re rightly allergic to other forms of justice meted out “because trust me, he’s probably no good…”

[0] https://www.bitsaboutmoney.com/archive/debanking-and-debunki...