" If it seems unfair for banks to discriminate against you because your high school buddy is bad at paying his bills or because you like something that a lot of loan defaulters also like, well, it is. And it points to a basic problem with induction, the logical method by which algorithms use data to make predictions. Philosophers have been wrestling with this problem since long before there were computers to induce with. While you can prove the truth of a mathematical proof by arguing it out from first principles, the philosopher David Hume pointed out in 1772 that reality doesn’t work that way. As the investment cliché has it, past performance is not indicative of future results. "

― Eli Pariser , The Filter Bubble: What the Internet is Hiding From You