I remember when Alphago was beating the go master, we couldn't really tell why it made certain moves.
But it certain makes sense to require an explanation for things that affect us in our lives.
If you're making algos for that directly affect another human's basic needs, I think it's really important to be able to back up why the algo did what it did. I feel like you're probably opening yourself up to massive liability (regardless of region your operating in) if you can't explain to a court why your system did X to a person that resulted in them suing your company.
Which is the exact result people want. We want explanations that are valid and understandable in relatively plain language, using postulate logic.
Let's take simplified case, to make visualization easier. Suppose the black box is deciding whether to approve mortgages, and it only has three inputs: income, credit score, and mortgage amount.
You can visualize the inputs as points in a 3-dimensional space, each point representing a unique combination of income, credit score, and mortgage amount.
Now imagine in that space we place green dots at all the points that represent inputs that result in approval of the mortgage application. Do nothing at the points for inputs that represent rejected inputs.
Need to give someone an explanation of their rejection? Find their point in that space, and then find points on the green region that are nearest their point, and tell them what would need to change to move their point to those green points.
I'd suggest, in this 3-dimensional space, to look at four green region points. (1) the nearest green point reached moving from their point parallel to the income axis, (2) same but using credit score axis, (3) same but using mortgage amount axis, and (4) the nearest green point.
In case your answer is yes, would it be acceptable to use the track record of a particular network and similarly trained networks, and why or why not?