True, but I believe the argument still stands for other ML algorithms, such as support vector machines. There is no way to query directly why the SVM maps an instance to a label.
AI is hard and people who know both a lot about statistics, AI and programming AND a lot about, say insurance claims, well good look finding them. People with good knowledge about insurance claims and good knowledge of excel, they're, well, not a dime a dozen, but certainly much easier to find.