Luckily the person you’re about to make an offer to lives within the flock network so you quickly get pings from the last week that they shopped at Whole Foods and dropped by a dispensary on the way home. Yeah this person probably has disposable income, let’s charge them the 30% increased rate.
Or maybe you’re a future employer - oh this guy stopped at a dispensary 12 years ago? The algorithm will give him +4 risk points before we make our hiring decision. Plus he regularly goes to this bad neighborhood (which the algorithm doesn’t know is where his sister lives that he visits), that’s another +9 risk points.
AND on the darker side — if you knew they did this, would you visit your sister less?