It is clear that there were multiple failures and multiple individual and collective decisions leading 1/7  BIS central bankers' speeches  up to the financial crisis, for example, collective groupthink, business model and strategy failures, governance and control issues, financial misconduct, excessive optimism, regulatory failures, political interference and so on. There are behavioural and cultural linkages across all of these failures.
But denials may be hard to understand. It may become even harder to challenge a decision made by algorithms. The proper functioning of the applications is not a given. Simple flaws, cyberattacks and criminal behaviour render the systems extremely vulnerable. Consumers should be cautious. They need to be protected. Laws may have to be modified to cover new threats.