Back in the 2000s when I finished school and started working, all the banks around here rolled out their modern "Know Your Customer" policies. For unrelated reasons, there were paperwork issues with my identification document, and the government department responsible for fixing that took months.

Long story cut short: I was blocked from my bank account because of some clerical issue in a system no one understood and which none of the employees cared about trying to understand.

Fast forward to today: observe how easy it is for banks (and other institutions) to deny you service because some black box algorithm which they outsourced decided to flag your account.

It's one thing to have your social media account blocked for 7 days because some hidden counter hit a threshold because you clicked "Like" on too many problematic posts.

What happens when you forget to turn on your VPN, and your bank decides to confiscate your money, all because you clicked on a link someone posted in chat, and you inadvertently gave page-views to a political dissident?