The paper lists some of the downsides of machine learning but skips the upsides. If you think of something like "How Google Translate squeezes deep learning onto a phone" featured here recently (https://news.ycombinator.com/item?id=9969000 ) it may stop working well because the world changes in that new fonts get trendy but it is probably easier just to retrain on new fonts than to adjust a non machine learning solution - if there is one for that problem. High-Interest credit card seems unfair. Occasional service charge might be closer.