A HN contest: Provide an elevator pitch, to completely non-technical end-users, that will make them aware of this issue and persuade them that it is important to them. Vote up the best ones. [EDIT: The goal is to persuade them about its dangers, not sell them something based on it] That elevator pitch is key. I have extensive knowledge about this issue but have a hard time coming up with it; I need to be prepared. Ch…
Maybe you walk home through a bad neighborhood. Maybe you sometimes grab a beer at a bit of a divey bar near your office. Maybe you've visited an old friend who's been in some trouble recently. Whatever the case may be, your face has been in a photo with some questionable folks, whether it's a security camera or a stranger's Facebook photo. So the bank's computers noticed, and flagged you as a risk. People who hang around questionable people aren't very good at repaying their loans.