That’s a gross over generalization. Some of the insurance data here suggests use of AI to make underwriting decisions. There are several states with regulations which could potentially pull these agent solutions into their regulatory oversight if used by the industry to effect insurance outcomes.
Odd lots podcast had an interesting snippet about an financial institution that uses AI to make loan decisions. The guest said that they only use it on applicants who were rejected in the traditional sequence, and then uses AI to accept them if possible. That way there's an articulable reason for a rejection, but they use the non-deterministic AI to allow an extra person through - since the laws about loans are mostly around not discriminating against people - companies are (generally) welcome to accept whoever.
That's dependent on the credit laws of the country in question though. In Australia you have it both ways, you cannot unreasonably discriminate (e.g. race, gender etc) but at the same time you are forbidden from issuing credit to applicants who cannot meet the affordability requirements of said credit. E.g. issuing a loan to a customer who provably cannot afford it is a breach of the NCC, and the company is held responsible for this. As a credit provider you must make reasonable enquiries into a customer's financial position, failing to do this is a breach. You must also be able to explain and justify the decision to issue credit if challenged by the civil regulator (AFCA - who are granted significant power in addressing this), on the basis of a customer complaint, and they most certainly do not accept "human said no but the computer then said yes" without hard facts such as proven positive income flow (pay slips, bank statements), known expenses, liabilities and reliable credit history.
“Silent” seems appropriate given it historically never required such a large storage requirement and the nature of the new feature seems entirely optional; and it’s happening silently as part of a normal upgrade.
> it's happening silently as part of a normal upgrade.
No, this is not true. The large requirement comes after a user wants to use the feature, not as a part of the normal upgrade. If the user never engages with the feature, it's not downloaded.
The Zuckerberg quote from the article reads like someone running for class president in high school.
> helps you achieve your goals, create what you want to see in the world, experience any adventure, be a better friend to those you care about, and grow to become the person you aspire to be.
… If you vote for me, all of your wildest dreams will come true. Thank you.
In such a scenario, people shouldn't acquiesce. Be creative and find ways of bringing hurt to those in this administration who feel they can dodge consequences. If no example is made of them, it will happen again.
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