You've just defined away the problem. It's not that we're not OK with computers accounting for the idea that Armenians get into more car accidents (we might or might not be). It's that we don't know if that's actually the case, because ML-generated models aren't that simple (if they were, we wouldn't need ML, just a bunch of actuaries using R).

The distinction is that with young male drivers, we have two supporting classes of information:

* A clear statistical observation

* A conceptual understanding of why the observation is likely to be valid

With machine learning, we might have neither of these classes of information.