being locked out = less profit = firing management by shareholders
it will solve by consumers, don't worry
It won't.
Do you aware how many people are locked out from access of the bank because the bank think they are too risky by some algorithm and no human review?
And people got rejected for flying because they have same name as somebody on no fly list?
yep, just like cases now where people are locked out of their accounts for no reason with no recourse. totally solved!
In the aggregate sure. But do you really think profit motive means they will be precise for every individual?
The number of people who are marginalised is... marginal. By definition it doesn't have a sensible impact on profit. That's precisely why it is a problem to be marginalised.