The financial sector is replacing human oversight with black-box algorithms. They call this movement “responsible AI.” This is a lie. It is a way to hide systemic bias behind a curtain of complex math.

The goal is not ethics. The goal is to remove human accountability from the liability equation. When the machine ruins a life, there is no person to blame. There is only a glitch in the code.

The features of this decay are evident.

• Mathematical laundering of systemic prejudice.
• The erasure of human agency in credit decisions.
• The automation of market instability.
• The illusion of transparency in a black box.