I'm thinking along the lines of "let's ban all the Chinese" and "let's ban all the Russians", because that's where the abuse comes from. That's often what those models, both simple and advanced, boil down to.
American stores could prevent most shoplifting by banning people of a certain skin color from entering. The US doesn't let them do this, even though it would most definitely work. They're not allowed to do it for a very good reason, but those reasons seem to be lost to internet companies, who seemingly push so hard for diversity, equity and inclusion.
Except stores aren’t banning the customers from browsing or building a cart. It’s only when someone goes to pay does the fraud detection run and block the transaction. What the US does allow companies to do, like Walmart, is run “background checks” on you before allowing you to cash a check. Over the years I’ve known many with problematic banking history or bad credit who would get denied from this.
I agree blanket bans like you bring up would be problematic and wrong, but I see nuance in using, say, the country of origin as one of the factors in their risk assessment.
