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In design reviews, when someone asks “shouldn’t we future-proof this?”, don’t just cave and go add layers. Try: “Here’s what it would take to add that later if we need it, and here’s what it costs us to add it now. I think we wait.” You’re not pushing back, but showing you’ve done your homework. You considered the complexity and chose not to take it on.
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合规阻断：在“强监管、零容忍”的金融语境下，这种充满不确定性的“盲盒式”生成模式无法通过任何合规审查，不仅无法建立信源公信力，反而会给金融机构带来不可估量的声誉折损与罚单风险。