15Identity & fraudBelow the top 20
A wage-advance the schedule assumed you would take
AffordanceImpact domainCap-adjacent
Statement (NASA form)
Given that payroll apps already pre-check the product, there is a possibility of the household living a week ahead forever resulting in a fee stacked on the paycheck.
Likelihood
4Likely
Consequence
3Major
Urgency
3Priority
Personal slice · money. Experimental household card. Not a certified finding.
Composite 15 = 4×3 + 3
Applicable mitigations
Controls · Broader ownership of the complementary stack · Transition income tied to measured displacement, not rhetoric · Windfall and compute taxes earmarked for the displaced · Out-of-band confirmation on a known number · Retire voiceprint as an authenticator · Real-time clone detection on high-risk lines