Name three situations where you should NOT reach for machine learning.
medium- (1) A hand-crafted rule solves it deterministically — 'if age < 18, deny' beats a model both in accuracy and interpretability.
- (2) No representative labeled data (or feasible way to get any) — you'll just fit noise.
- (3) The prediction has to be perfectly explainable / auditable and even a linear model is too opaque (e.g., certain regulatory decisions).
- Also: when the cost of a wrong prediction is catastrophic and the marginal accuracy gain is tiny — deterministic rules or human-in-the-loop win.
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