Add Section IV: Critique of current fraud detection systems — exposes how trauma survivors are often penalized while manipulative claimants evade detection. Argues for forensic empathy over automation.

04_the-problem-with-current-systems.md

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+## IV. **The Problem with the Current System: Good People Get Flagged, Bad People Slip Through**
+
+Fraud detection today is built on the illusion of objectivity.
+
+Rules-based scoring models. Behavioral red flags. Actuarial profiles. Checkbox logic. These systems are meant to catch deception — but what they often catch is *difference*.
+
+Trauma survivors stumble over timelines. They forget things. They cry at the wrong moments. They freeze up. They contradict themselves not because they’re lying, but because they’re *wounded*.
+
+Meanwhile, manipulators — particularly narcissistic personalities — often present as calm, collected, helpful. They *rehearse* their stories. They mirror what the system wants to hear. And they pass.
+
+The result?
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+The honest get flagged.
+
+The practiced glide through.
+
+This isn’t a system problem. It’s an empathy problem. Or more precisely — a *lack* of forensic empathy. We need tools that understand human variation, trauma responses, and narrative complexity. Not just automation. Not just algorithms.
+
+What we need is a new kind of listening. A new kind of forensic.
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+One that honors the truth without punishing the vulnerable.
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+> *Bad actors aren’t just gaming the system — they’re weaponizing it.*