I mean people have been subjected to fraud scoring for decades, you get declined, you follow up, and you get in w/ a new data point for the next time.
I would say that's absolutely not true at all. And to the extent that it is true, via credit reporting agencies, it's extremely aggressively regulated to allow consumers to see and challenge how that data is used, as well as to completely opt out of that system.
Anyways -- this is all massively orthogonal to what I originally wrote, which was around Sift being used as a consumer scoring system. I shouldn't have "taken the bait" so that's my bad.