Earlier quoted context omitted.
This is exactly what CloudFlare and Google have been doing for a while. i meet so many tech illiterate people who "can't log in to the internet" because of some discouraging CAPTCHA or because Gmail decided that even though they knew their passwords, a phone number they haven't used in 2 years (and has probably been reallocated to someone else) is a better proof of identity. It's a shame it's even legal to discrimina…
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It's not like people are encouraged to keep their valuable data with these companies, only to lose the ai-fraud-detection lottery.