“…This need to use the prediction for differential treatment—for example, personalized medicine (Carnevale et al, 2021), personalized learning (Regan & Jesse, 2019; Williamson, 2017), personalized content (Mittelstadt, 2016), personalized insurance (Barry & Charpentier, 2020; Cevolini & Esposito, 2020), or personalized pricing (Seele et al, 2021)—introduces two distinctive ethical concerns where I will focus. First, the need for some subjects to receive a treatment (a greater sentence, harsher mortgage terms, etc), while others do not, leads to the creation of cutoffs to label subjects from data that is ambiguous at best.…”