This is a fair critique. In cases like Stripe, I’m sure there are viable ways to have humans involved.
More generally, the big problem is that most internet companies are trying to achieve growth and user numbers which aren’t incompatible with having humans moderate everything. For example, everyone likes to hate on social media companies doing a terrible job moderating. But the reality is that you cannot hire enough humans to manually moderate billions of things daily. So algorithms are a necessity, unless we are willing to part with platforms which cater to extremely large audiences.
Just came to say that the "billions of things daily" is a red herring. The companies are simply too big to handle moderation even with an algo+human solution. So maybe any network should have only millions of things, or thousands.
More generally, the big problem is that most internet companies are trying to achieve growth and user numbers which aren’t incompatible with having humans moderate everything. For example, everyone likes to hate on social media companies doing a terrible job moderating. But the reality is that you cannot hire enough humans to manually moderate billions of things daily. So algorithms are a necessity, unless we are willing to part with platforms which cater to extremely large audiences.