The worrying truth is that we are all going to be subject to these sorts of false correlations and biases and there will be very little we can do about it.

You go to buy car insurance, and find that your premium has gone up 200% for no reason. Why? Because the AI said so. Maybe soneone with your name was in a crash. Maybe you parked overnight at the same GPS location where an accident happened. Who knows what data actually underlies that decision or how it was made, but it was. And even the insurance company themselves doesn’t know how it ended up that way.