[hanoz]

Fair point. It's a sorry state of afairs when you have to speculatively reverse engineer the algorithms run by a state-sanctioned oligopoly of private firms holding your own data gathered with, at best, coerced consent, and artificially structure your affairs in an attempt to present yourself as a dependable and unadventurous cash cow

[fuzzzerd]

You accurately, amusingly, and concisely articulated the situation. In a way that underscores the absurdity of it.