with features:

- ability to hide AI labeled replies (by default)

- assign lower weight when appropriate

- if a user is suspected to be AI-generated, retroactively label all their replies as "suspected AI"

- in addition to downvote/upvote, a "I think this is AI" counter

A bit similar how certain joins in SQL can be very straightforward with the "USING" clause, or when it can rely on extra information such as analytic views to derive materialized views (vendor specific)

You need a way to give your employees access to customer data; for support cases. So you build a "request access" form in your ITSM. Now you can tick off every box related to certification: There is a process. Only authorized persons have access. Every aspect of it can be audited.

Later, perhaps sales people (the 1000's of new joiners) start using it as well for lead generation. It's a lot easier to sell if you know how your product is used by other companies in the same industry.

Much later, someone's account is compromised, makes the same requests and it gets waved through. Why wouldn't it ? It is a valid request made by a current employee of the company. What other criteria would apply ? This is not a bank.

Looking at linked-in, the unlucky employee could be someone in a sales role, with only 7 months of tenure. Every company has a few sysadmins with a scary amount of reach, but that's not what happened here.

Edit: A ServiceNow access request flow with poor internal controls would explain it.

Society benefited from a productivity gain by moving everything online, in a (relatively) high-trust environment. That is now becoming more expensive (due to higher % of frauds), or even infeasible.

So, a drag on economic growth for years to come.

  1. After $EVENT, we are in a horrible state of affairs. Something must be done.
  2. $THING is something.
  3. Therefore, we must do $THING.

More importantly, the actions of the FED after SVB signaled they'll do whatever it takes to keep the system stable.

If a single bank was getting close to your hypothetical scenario, you'd probably see a forced merger. If the majority was at risk, you'd probably see actions to ensure higher margins (such as using reg Q to impose maximum rates on deposits)