15Identity & fraudBelow the top 20
A home claim denied by a generated photo read
AffordanceImpact domainCap-adjacent
Statement (NASA form)
Given that adjusters already accept model damage estimates, there is a possibility of the roof unpaid because the picture ‘looked old’ resulting in the household carrying a loss the policy was for.
Likelihood
3Probable
Consequence
4Critical
Urgency
3Priority
Personal slice · money. Experimental household card. Not a certified finding.
Composite 15 = 3×4 + 3
Applicable mitigations
Controls · Pace rules: no irreversible action faster than a human can reconstruct it · A real off-ramp that still functions · Contract-first delegation with privilege attenuation · Duty of care on high-stakes delegates · Out-of-band confirmation on a known number · Retire voiceprint as an authenticator · Real-time clone detection on high-risk lines