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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?
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.
One that honors the truth without punishing the vulnerable.
Bad actors aren’t just gaming the system — they’re weaponizing it.