Efficiency: judging by the state of healthcare I sincerely doubt the legacy financial system will go away quietly.
Fraud detection: I'd be very concerned about false positives here.
Observability: forcing everyone to opt into a financial panopticon will have unintended consequences.
Security: we really struggle to hold any organization accountable. Public organizations are not magic, was anyone held accountable for solarwinds? The office of personnel management? If anything holding public entities accountable is even more difficult then private entities because of politics.
Responsiveness: The ability will be there, will it be used effectively or responsibly?
Fraud detection: I'd be very concerned about false positives here.
Observability: forcing everyone to opt into a financial panopticon will have unintended consequences.
Security: we really struggle to hold any organization accountable. Public organizations are not magic, was anyone held accountable for solarwinds? The office of personnel management? If anything holding public entities accountable is even more difficult then private entities because of politics.
Responsiveness: The ability will be there, will it be used effectively or responsibly?